3907 Lake Shore DrPalm HarborFL34684
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 3907 Lake Shore Dr, Palm Harbor, FL, 34684 in Palm Harbor. At $350,000 it earns $2,660/mo in rent and distributes $306/mo to the owner after the $1,574/mo payment, a consistent 9.12% yield. DSCR 1.69 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $96,699 in value; $3,224/yr in principal paydown compounds ownership stake. Total projected return: $155,107.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.8% |
| Monthly Cash Flow | $306 | $250 |
City averages based on Palm Harbor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,660 |
| Total Monthly Debt Service | $2,183 |
| 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 1983
1.16 Acres 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 1983
1.16 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mike Smithweck • FUTURE HOME REALTY INC
Mls Name: Stellar MLS
Mls Provider:
Mls ID: #TB8372666