3610 Vine Trail Site #124EllentonFL34222
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3610 Vine Trail Site #124, Ellenton, FL, 34222 in Ellenton speaks for itself: 21.94% gross on a $177,200 price, generating $3,240/mo in rent and $2,064/mo in net income after the $797/mo debt service. DSCR 4.07, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $24,769 stacks alongside $48,957 in projected five-year appreciation and $1,632/yr in principal reduction. Projected total cumulative return: $200,376.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 21.9% | 6.0% |
| Monthly Cash Flow | $2,064 | $300 |
City averages based on Ellenton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,240 |
| Total Monthly Debt Service | $1,105 |
| DSCR Ratio | 2.93x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34222, Ellenton, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,350 (100%) |
| Owner Occupied HU | 5,463 (65.4%) |
| Renter Occupied HU | 1,406 (16.8%) |
| Vacant Housing Units | 1,481 (17.7%) |
| Median Home Value | $211,957 |
| Average Home Value | $335,183 |
Housing Distribution
Address Breakdown
Residential
7,889
Single Family
6,742
Multi-Family
1,147
Businesses
587
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34222, Ellenton, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,350 (100%) |
| Owner Occupied HU | 5,463 (65.4%) |
| Renter Occupied HU | 1,406 (16.8%) |
| Vacant Housing Units | 1,481 (17.7%) |
| Median Home Value | $211,957 |
| Average Home Value | $335,183 |
Housing Distribution
Address Breakdown
Residential
7,889
Single Family
6,742
Multi-Family
1,147
Businesses
587
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
