3678 Amelia WayPalm HarborFL34684
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 3678 Amelia Way, Palm Harbor, FL, 34684 in Palm Harbor at $424,900. Rental yield 6.81%. The 6.81% yield and 1.34 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $117,392 by year five, and $3,913/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $144,758.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 6.8% |
| Monthly Cash Flow | $(653) | $250 |
City averages based on Palm Harbor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,553 |
| Total Monthly Debt Service | $2,651 |
| DSCR Ratio | 0.96x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1992
3,942 sqft 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
Single Family
Built in 1992
3,942 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Susan Vaughn • COASTAL PROPERTIES GROUP INTERNATIONAL
Mls Name: Stellar MLS
Mls ID: #TB8409904