3565 Clay Brick RdHarmonyFL34773
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow3565 Clay Brick Rd, Harmony, FL, 34773 in Harmony earns its strong cash-flow label: 11.16% yield, $2,938/mo rent, $548/mo net income, DSCR 2.07. The $315,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $87,277 by year five. Combined with $2,909/yr in principal paydown, total projected return reaches $174,581.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 6.0% |
| Monthly Cash Flow | $548 | $1,200 |
City averages based on Harmony market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,938 |
| Total Monthly Debt Service | $1,971 |
| DSCR Ratio | 1.49x |
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.
Condo
Built in 2006
3,350 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
Condo
Built in 2006
3,350 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