4101 Pine Tree Dr APT 931Miami BeachFL33140
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4101 Pine Tree Dr APT 931, Miami Beach, FL, 33140 in Miami Beach at $649,000 earns $4,680/mo in rent and nets $184/mo after the $2,918/mo payment, a 8.65% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $179,307 over five years. Ziffy Mortgage underwrites this on a 1.60 DSCR without U.S. credit history. With $5,977/yr in principal paydown, total projected return reaches $260,047.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 5.2% |
| Monthly Cash Flow | $184 | $2,100 |
City averages based on Miami Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,680 |
| Total Monthly Debt Service | $4,238 |
| DSCR Ratio | 1.10x |
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.
Condo
Built in 1974
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33140, Miami Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,183 (100%) |
| Owner Occupied HU | 5,771 (33.6%) |
| Renter Occupied HU | 3,645 (21.2%) |
| Vacant Housing Units | 7,767 (45.2%) |
| Median Home Value | $985,285 |
| Average Home Value | $1,189,094 |
Housing Distribution
Address Breakdown
Residential
13,770
Single Family
2,707
Multi-Family
11,063
Businesses
828
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
Condo
Built in 1974
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33140, Miami Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,183 (100%) |
| Owner Occupied HU | 5,771 (33.6%) |
| Renter Occupied HU | 3,645 (21.2%) |
| Vacant Housing Units | 7,767 (45.2%) |
| Median Home Value | $985,285 |
| Average Home Value | $1,189,094 |
Housing Distribution
Address Breakdown
Residential
13,770
Single Family
2,707
Multi-Family
11,063
Businesses
828
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sharona Litwin • REALTY 24/7 CO
Mls Name: MIAMI
Mls Provider:
Mls ID: #A11733119
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.