3937 Manatee Club DrRuskinFL33570
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3937 Manatee Club Dr, Ruskin, FL, 33570 in Ruskin at $348,500 earns $2,466/mo in rent and nets $153/mo after the $1,567/mo payment, a 8.49% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $96,284 over five years. Ziffy Mortgage underwrites this on a 1.57 DSCR without U.S. credit history. With $3,210/yr in principal paydown, total projected return reaches $142,746.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.3% |
| Monthly Cash Flow | $153 | $300 |
City averages based on Ruskin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,466 |
| Total Monthly Debt Service | $2,174 |
| 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.
Manufactured
Built in 2022
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33570, Ruskin, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,283 (100%) |
| Owner Occupied HU | 11,125 (68.3%) |
| Renter Occupied HU | 3,025 (18.6%) |
| Vacant Housing Units | 2,133 (13.1%) |
| Median Home Value | $335,955 |
| Average Home Value | $385,712 |
Housing Distribution
Address Breakdown
Residential
14,226
Single Family
10,787
Multi-Family
3,439
Businesses
357
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
Manufactured
Built in 2022
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33570, Ruskin, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,283 (100%) |
| Owner Occupied HU | 11,125 (68.3%) |
| Renter Occupied HU | 3,025 (18.6%) |
| Vacant Housing Units | 2,133 (13.1%) |
| Median Home Value | $335,955 |
| Average Home Value | $385,712 |
Housing Distribution
Address Breakdown
Residential
14,226
Single Family
10,787
Multi-Family
3,439
Businesses
357
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices