3318 Carnation LnZephyrhillsFL33541
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3318 Carnation Ln, Zephyrhills, FL, 33541 in Zephyrhills at $151,900 earns $1,173/mo in rent and nets $85/mo after the $683/mo payment, a 9.27% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $41,967 over five years. Ziffy Mortgage underwrites this on a 1.72 DSCR without U.S. credit history. With $1,399/yr in principal paydown, total projected return reaches $68,552.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 7.5% |
| Monthly Cash Flow | $85 | $300 |
City averages based on Zephyrhills market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,173 |
| Total Monthly Debt Service | $948 |
| DSCR Ratio | 1.24x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Manufactured
Built in 1981
5,130 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33541, Zephyrhills, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,243 (100%) |
| Owner Occupied HU | 10,776 (66.3%) |
| Renter Occupied HU | 2,083 (12.8%) |
| Vacant Housing Units | 3,384 (20.8%) |
| Median Home Value | $242,315 |
| Average Home Value | $271,459 |
Housing Distribution
Address Breakdown
Residential
13,965
Single Family
10,880
Multi-Family
3,085
Businesses
369
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Manufactured
Built in 1981
5,130 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33541, Zephyrhills, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,243 (100%) |
| Owner Occupied HU | 10,776 (66.3%) |
| Renter Occupied HU | 2,083 (12.8%) |
| Vacant Housing Units | 3,384 (20.8%) |
| Median Home Value | $242,315 |
| Average Home Value | $271,459 |
Housing Distribution
Address Breakdown
Residential
13,965
Single Family
10,880
Multi-Family
3,085
Businesses
369
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Marc Henderson • COLDWELL BANKER REALTY
Mls Name: Stellar MLS
Mls ID: #TB8464361