4028 12th Ave NSaint PetersburgFL33713
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.34% yield at 4028 12th Ave N, Saint Petersburg, FL, 33713 in Saint Petersburg is solid, but the $1,475/mo payment compresses net cash flow to $103/mo at $328,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $90,620 by year five, and $3,021/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.55) without U.S. income documentation. Total projected return: $131,659.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $103 | $1,800 |
City averages based on Saint Petersburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,280 |
| Total Monthly Debt Service | $2,046 |
| DSCR Ratio | 1.11x |
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 1966
5,715 sqft 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 1966
5,715 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michelle Bello Lorie • LPT REALTY, LLC
Mls Name: Stellar MLS
Mls ID: #TB8452084