3900 31st St SSaint PetersburgFL33712
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Saint Petersburg rental at 3900 31st St S, Saint Petersburg, FL, 33712 sits in the solid-income band: 10.03% gross yield, $3,407/mo rent, $380/mo net after the $1,832/mo debt service, DSCR 1.86. Entry price of $407,500 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $112,585 and $3,753/yr in principal reduction bring total cumulative return to $181,212.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.0% |
| Monthly Cash Flow | $380 | $1,800 |
City averages based on Saint Petersburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,407 |
| Total Monthly Debt Service | $2,865 |
| DSCR Ratio | 1.19x |
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 1954
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33712, Saint Petersburg, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,543 (100%) |
| Owner Occupied HU | 5,785 (46.1%) |
| Renter Occupied HU | 5,828 (46.5%) |
| Vacant Housing Units | 930 ( 7.4%) |
| Median Home Value | $384,910 |
| Average Home Value | $457,502 |
Housing Distribution
Address Breakdown
Residential
12,048
Single Family
9,657
Multi-Family
2,391
Businesses
658
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 1954
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33712, Saint Petersburg, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,543 (100%) |
| Owner Occupied HU | 5,785 (46.1%) |
| Renter Occupied HU | 5,828 (46.5%) |
| Vacant Housing Units | 930 ( 7.4%) |
| Median Home Value | $384,910 |
| Average Home Value | $457,502 |
Housing Distribution
Address Breakdown
Residential
12,048
Single Family
9,657
Multi-Family
2,391
Businesses
658
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices