4067 Gardenia AveLake HamiltonFL33851
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4067 Gardenia Ave, Lake Hamilton, FL, 33851 in Lake Hamilton is narrow, $163/mo net on $2,298/mo rent after the $1,447/mo debt service, but the property operates at break-even-plus, not a loss. At $321,790 with a 8.57% yield, the long-run equity case via 5% appreciation ($88,905 over five years) and $2,964/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.59 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $133,123.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.0% |
| Monthly Cash Flow | $163 | $1,200 |
City averages based on Lake Hamilton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,298 |
| Total Monthly Debt Service | $2,007 |
| DSCR Ratio | 1.14x |
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33851, Lake Hamilton, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 162 (100%) |
| Owner Occupied HU | 122 (75.3%) |
| Renter Occupied HU | 19 (11.7%) |
| Vacant Housing Units | 21 (13.0%) |
| Median Home Value | $328,000 |
| Average Home Value | $330,143 |
Housing Distribution
Address Breakdown
Residential
496
Single Family
0
Multi-Family
0
Businesses
48
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33851, Lake Hamilton, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 162 (100%) |
| Owner Occupied HU | 122 (75.3%) |
| Renter Occupied HU | 19 (11.7%) |
| Vacant Housing Units | 21 (13.0%) |
| Median Home Value | $328,000 |
| Average Home Value | $330,143 |
Housing Distribution
Address Breakdown
Residential
496
Single Family
0
Multi-Family
0
Businesses
48
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jaime Gonzalez • Casa Fresca Homes Sales Office
Mls Name: Nexus MLS
Mls Provider:
Mls ID: #N120000000782
Disclaimer: Listing information is provided by the Nexus Multiple Listing Service. Property information is based on available data that may include MLS information, county records, and other sources. All information provided is deemed reliable but is not guaranteed and should be independently verified. All properties are subject to prior sale or withdrawal. 2025 Nexus MLS. All rights are reserved.