3962 N Spanish Moss PointBeverly HillsFL34465
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowTight but positive: 3962 N Spanish Moss Point, Beverly Hills, FL, 34465 in Beverly Hills at $193,500 earns $1,714/mo in rent and nets $155/mo after the $870/mo payment, a 10.63% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $53,460 over five years. Ziffy Mortgage underwrites this on a 1.97 DSCR without U.S. credit history. With $1,782/yr in principal paydown, total projected return reaches $84,912.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 6.0% |
| Monthly Cash Flow | $155 | $200 |
City averages based on Beverly Hills market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,714 |
| Total Monthly Debt Service | $1,482 |
| DSCR Ratio | 1.16x |
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 1985
4,356 sqft lot
$N/A/sqft
$275 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34465, Beverly Hills, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,864 (100%) |
| Owner Occupied HU | 7,396 (75.0%) |
| Renter Occupied HU | 1,651 (16.7%) |
| Vacant Housing Units | 817 ( 8.3%) |
| Median Home Value | $301,858 |
| Average Home Value | $330,633 |
Housing Distribution
Address Breakdown
Residential
9,384
Single Family
9,284
Multi-Family
100
Businesses
218
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 1985
4,356 sqft lot
$N/A/sqft
$275 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34465, Beverly Hills, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,864 (100%) |
| Owner Occupied HU | 7,396 (75.0%) |
| Renter Occupied HU | 1,651 (16.7%) |
| Vacant Housing Units | 817 ( 8.3%) |
| Median Home Value | $301,858 |
| Average Home Value | $330,633 |
Housing Distribution
Address Breakdown
Residential
9,384
Single Family
9,284
Multi-Family
100
Businesses
218
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Shawnia Meuser • Homan Realty Group Inc.
Mls Name: Realtors Association of Citrus County
Mls Provider:
Mls ID: #834780
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.