3436 Minnow Creek DrHernando BeachFL34607
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 3436 Minnow Creek Dr, Hernando Beach, FL, 34607 in Hernando Beach. At $569,900 it earns $4,022/mo in rent and distributes $240/mo to the owner after the $2,563/mo payment, a consistent 8.47% yield. DSCR 1.57 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $157,453 in value; $5,249/yr in principal paydown compounds ownership stake. Total projected return: $232,644.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 7.5% |
| Monthly Cash Flow | $240 | $300 |
City averages based on Hernando Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,022 |
| Total Monthly Debt Service | $3,555 |
| DSCR Ratio | 1.13x |
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.
Single Family
Built in 2004
7,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34607, Spring Hill, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,478 (100%) |
| Owner Occupied HU | 3,535 (64.5%) |
| Renter Occupied HU | 666 (12.2%) |
| Vacant Housing Units | 1,277 (23.3%) |
| Median Home Value | $460,157 |
| Average Home Value | $483,981 |
Housing Distribution
Address Breakdown
Residential
4,390
Single Family
3,304
Multi-Family
1,086
Businesses
149
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
Single Family
Built in 2004
7,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34607, Spring Hill, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,478 (100%) |
| Owner Occupied HU | 3,535 (64.5%) |
| Renter Occupied HU | 666 (12.2%) |
| Vacant Housing Units | 1,277 (23.3%) |
| Median Home Value | $460,157 |
| Average Home Value | $483,981 |
Housing Distribution
Address Breakdown
Residential
4,390
Single Family
3,304
Multi-Family
1,086
Businesses
149
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Stellar MLS
Mls ID: #W7884104