3916 Cedar Cay CirValricoFL33596
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 3916 Cedar Cay Cir, Valrico, FL, 33596 in Valrico delivers $4,057/mo in gross rent and $214/mo in net monthly income at a $545,000 entry. The 8.93% yield and 1.66 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $150,573 over five years and $5,020/yr in equity from loan paydown, total projected return is $236,036.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.2% |
| Monthly Cash Flow | $214 | $350 |
City averages based on Valrico market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,057 |
| Total Monthly Debt Service | $3,400 |
| 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 1990
0.34 Acres lot
$N/A/sqft
No HOA
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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 1990
0.34 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices