3433 SW 16th TerMiamiFL33145
INVESTMENT ANALYSIS
Investment Verdict
Solid Income3433 SW 16th Ter, Miami, FL, 33145 in Miami earns a respectable 8.57% gross yield at $945,000, but after the $4,249/mo mortgage the net cash flow is $26/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.59) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $261,086 over five years, making equity the dominant return driver. Total projected return: $390,905.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 5.8% |
| Monthly Cash Flow | $26 | $1,850 |
City averages based on Miami market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,748 |
| Total Monthly Debt Service | $5,895 |
| DSCR Ratio | 1.14x |
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.
Townhouse
Built in 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33145, Miami, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,796 (100%) |
| Owner Occupied HU | 5,856 (45.8%) |
| Renter Occupied HU | 6,184 (48.3%) |
| Vacant Housing Units | 756 ( 5.9%) |
| Median Home Value | $616,602 |
| Average Home Value | $663,659 |
Housing Distribution
Address Breakdown
Residential
11,611
Single Family
8,008
Multi-Family
3,603
Businesses
945
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
Townhouse
Built in 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33145, Miami, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,796 (100%) |
| Owner Occupied HU | 5,856 (45.8%) |
| Renter Occupied HU | 6,184 (48.3%) |
| Vacant Housing Units | 756 ( 5.9%) |
| Median Home Value | $616,602 |
| Average Home Value | $663,659 |
Housing Distribution
Address Breakdown
Residential
11,611
Single Family
8,008
Multi-Family
3,603
Businesses
945
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices