37820 Beacon Brick DrZephyrhillsFL33540
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 37820 Beacon Brick Dr, Zephyrhills, FL, 33540 in Zephyrhills is narrow, $187/mo net on $3,037/mo rent after the $1,733/mo debt service, but the property operates at break-even-plus, not a loss. At $385,470 with a 9.46% yield, the long-run equity case via 5% appreciation ($106,498 over five years) and $3,550/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.75 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $160,238.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 7.5% |
| Monthly Cash Flow | $187 | $300 |
City averages based on Zephyrhills market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,037 |
| Total Monthly Debt Service | $2,696 |
| DSCR Ratio | 1.13x |
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.
Single Family
Built in 2022
4,800 sqft lot
$N/A/sqft
$13 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33540, Zephyrhills, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,355 (100%) |
| Owner Occupied HU | 4,151 (65.3%) |
| Renter Occupied HU | 858 (13.5%) |
| Vacant Housing Units | 1,346 (21.2%) |
| Median Home Value | $261,169 |
| Average Home Value | $272,857 |
Housing Distribution
Address Breakdown
Residential
5,899
Single Family
5,254
Multi-Family
645
Businesses
73
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 2022
4,800 sqft lot
$N/A/sqft
$13 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33540, Zephyrhills, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,355 (100%) |
| Owner Occupied HU | 4,151 (65.3%) |
| Renter Occupied HU | 858 (13.5%) |
| Vacant Housing Units | 1,346 (21.2%) |
| Median Home Value | $261,169 |
| Average Home Value | $272,857 |
Housing Distribution
Address Breakdown
Residential
5,899
Single Family
5,254
Multi-Family
645
Businesses
73
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices