3807 Chinaberry RdBradentonFL34208
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3807 Chinaberry Rd, Bradenton, FL, 34208 in Bradenton at $179,900 earns $1,372/mo in rent and nets $118/mo after the $809/mo payment, a 9.15% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $49,703 over five years. Ziffy Mortgage underwrites this on a 1.70 DSCR without U.S. credit history. With $1,657/yr in principal paydown, total projected return reaches $80,038.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.1% |
| Monthly Cash Flow | $118 | $285 |
City averages based on Bradenton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,372 |
| Total Monthly Debt Service | $1,122 |
| DSCR Ratio | 1.22x |
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 1972
5,998 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34208, Bradenton, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,567 (100%) |
| Owner Occupied HU | 8,500 (48.4%) |
| Renter Occupied HU | 7,263 (41.3%) |
| Vacant Housing Units | 1,804 (10.3%) |
| Median Home Value | $347,966 |
| Average Home Value | $420,342 |
Housing Distribution
Address Breakdown
Residential
16,136
Single Family
11,315
Multi-Family
4,821
Businesses
891
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 1972
5,998 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34208, Bradenton, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,567 (100%) |
| Owner Occupied HU | 8,500 (48.4%) |
| Renter Occupied HU | 7,263 (41.3%) |
| Vacant Housing Units | 1,804 (10.3%) |
| Median Home Value | $347,966 |
| Average Home Value | $420,342 |
Housing Distribution
Address Breakdown
Residential
16,136
Single Family
11,315
Multi-Family
4,821
Businesses
891
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices