355 Putter Cir N #355Winter HavenFL33881
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.52% yield at 355 Putter Cir N #355, Winter Haven, FL, 33881 in Winter Haven is solid, but the $539/mo payment compresses net cash flow to $155/mo at $119,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $33,126 by year five, and $1,104/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.76) without U.S. income documentation. Total projected return: $55,740.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $155 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $951 |
| Total Monthly Debt Service | $748 |
| DSCR Ratio | 1.27x |
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33881, Winter Haven, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,487 (100%) |
| Owner Occupied HU | 11,896 (61.0%) |
| Renter Occupied HU | 5,104 (26.2%) |
| Vacant Housing Units | 2,487 (12.8%) |
| Median Home Value | $242,590 |
| Average Home Value | $269,782 |
Housing Distribution
Address Breakdown
Residential
18,922
Single Family
17,184
Multi-Family
1,738
Businesses
828
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33881, Winter Haven, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,487 (100%) |
| Owner Occupied HU | 11,896 (61.0%) |
| Renter Occupied HU | 5,104 (26.2%) |
| Vacant Housing Units | 2,487 (12.8%) |
| Median Home Value | $242,590 |
| Average Home Value | $269,782 |
Housing Distribution
Address Breakdown
Residential
18,922
Single Family
17,184
Multi-Family
1,738
Businesses
828
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brandi Sappington • CRF Communities
Mls Name: My State MLS
Mls ID: #11402431