3978 Gordon RdBig Pine KeyFL33043
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 3978 Gordon Rd, Big Pine Key, FL, 33043 in Big Pine Key is a conservative rental investment at $785,000. Rental yield 7.27%. A 1.35 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $216,881; $7,230/yr in principal paydown supplements. Total projected return: $269,870.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 8.0% |
| Monthly Cash Flow | $(455) | $250 |
City averages based on Big Pine Key market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,754 |
| Total Monthly Debt Service | $4,897 |
| DSCR Ratio | 0.97x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1978
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33043, Big Pine Key, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,297 (100%) |
| Owner Occupied HU | 1,804 (54.7%) |
| Renter Occupied HU | 453 (13.7%) |
| Vacant Housing Units | 1,040 (31.5%) |
| Median Home Value | $634,941 |
| Average Home Value | $713,442 |
Housing Distribution
Address Breakdown
Residential
2,787
Single Family
2,735
Multi-Family
52
Businesses
301
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 1978
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33043, Big Pine Key, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,297 (100%) |
| Owner Occupied HU | 1,804 (54.7%) |
| Renter Occupied HU | 453 (13.7%) |
| Vacant Housing Units | 1,040 (31.5%) |
| Median Home Value | $634,941 |
| Average Home Value | $713,442 |
Housing Distribution
Address Breakdown
Residential
2,787
Single Family
2,735
Multi-Family
52
Businesses
301
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Hana Tomita • Berkshire Hathaway HomeServices Knight & Gardner Realty
Mls Name: FLKMLS
Mls ID: #616712