3595 Whispering Oaks Ln #57Palm HarborFL34684
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 3595 Whispering Oaks Ln #57, Palm Harbor, FL, 34684 in Palm Harbor achieves 1.78, rent of $1,399/mo covers the $786/mo payment 1.5x over at $174,900. Rental yield 9.6%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $48,322 over five years, with $1,611/yr in principal reduction bringing total projected return to $82,057.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.8% |
| Monthly Cash Flow | $(500) | $250 |
City averages based on Palm Harbor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,399 |
| Total Monthly Debt Service | $1,091 |
| DSCR Ratio | 1.28x |
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 1986
0.76 Acres lot
$N/A/sqft
No HOA
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 1986
0.76 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Craig Berenger, Jr. • KELLER WILLIAMS REALTY- PALM H
Mls Name: Stellar MLS
Mls ID: #TB8479222