430 NE 75th StMiamiFL33138
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 430 NE 75th St, Miami, FL, 33138 in Miami at $715,000 earns $4,874/mo in rent and nets $129/mo after the $3,215/mo payment, a 8.18% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $197,541 over five years. Ziffy Mortgage underwrites this on a 1.52 DSCR without U.S. credit history. With $6,585/yr in principal paydown, total projected return reaches $280,831.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.8% |
| Monthly Cash Flow | $129 | $1,850 |
City averages based on Miami market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,874 |
| Total Monthly Debt Service | $4,460 |
| DSCR Ratio | 1.09x |
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.
Multi Family
Built in 1966
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33138, Miami, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,187 (100%) |
| Owner Occupied HU | 6,036 (42.5%) |
| Renter Occupied HU | 6,547 (46.1%) |
| Vacant Housing Units | 1,604 (11.3%) |
| Median Home Value | $787,542 |
| Average Home Value | $876,524 |
Housing Distribution
Address Breakdown
Residential
12,785
Single Family
6,848
Multi-Family
5,937
Businesses
1,269
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
Multi Family
Built in 1966
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33138, Miami, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,187 (100%) |
| Owner Occupied HU | 6,036 (42.5%) |
| Renter Occupied HU | 6,547 (46.1%) |
| Vacant Housing Units | 1,604 (11.3%) |
| Median Home Value | $787,542 |
| Average Home Value | $876,524 |
Housing Distribution
Address Breakdown
Residential
12,785
Single Family
6,848
Multi-Family
5,937
Businesses
1,269
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices