3473 MIDDLEBROOK PlaceHarmonyFL34773
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 3473 MIDDLEBROOK Place, Harmony, FL, 34773 in Harmony. At $399,999 it earns $2,942/mo in rent and distributes $288/mo to the owner after the $1,799/mo payment, a consistent 8.83% yield. DSCR 1.64 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $110,512 in value; $3,684/yr in principal paydown compounds ownership stake. Total projected return: $170,973.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.0% |
| Monthly Cash Flow | $288 | $1,200 |
City averages based on Harmony market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,942 |
| Total Monthly Debt Service | $2,495 |
| DSCR Ratio | 1.18x |
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 2017
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34773, Saint Cloud, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,191 (100%) |
| Owner Occupied HU | 2,584 (81.0%) |
| Renter Occupied HU | 342 (10.7%) |
| Vacant Housing Units | 265 ( 8.3%) |
| Median Home Value | $415,173 |
| Average Home Value | $531,787 |
Housing Distribution
Address Breakdown
Residential
2,938
Single Family
2,938
Multi-Family
0
Businesses
36
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 2017
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34773, Saint Cloud, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,191 (100%) |
| Owner Occupied HU | 2,584 (81.0%) |
| Renter Occupied HU | 342 (10.7%) |
| Vacant Housing Units | 265 ( 8.3%) |
| Median Home Value | $415,173 |
| Average Home Value | $531,787 |
Housing Distribution
Address Breakdown
Residential
2,938
Single Family
2,938
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices