440 L B Brown Ave SBartowFL33830
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 440 L B Brown Ave S, Bartow, FL, 33830 in Bartow speaks for itself: 11.39% gross on a $235,000 price, generating $2,230/mo in rent and $670/mo in net income after the $1,057/mo debt service. DSCR 2.11, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,041 stacks alongside $64,926 in projected five-year appreciation and $2,164/yr in principal reduction. Projected total cumulative return: $132,704.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 7.0% |
| Monthly Cash Flow | $670 | $350 |
City averages based on Bartow market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,230 |
| Total Monthly Debt Service | $1,466 |
| DSCR Ratio | 1.52x |
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 1920
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33830, Bartow, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,289 (100%) |
| Owner Occupied HU | 8,662 (65.2%) |
| Renter Occupied HU | 3,320 (25.0%) |
| Vacant Housing Units | 1,307 ( 9.8%) |
| Median Home Value | $307,472 |
| Average Home Value | $360,489 |
Housing Distribution
Address Breakdown
Residential
11,750
Single Family
10,889
Multi-Family
861
Businesses
790
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 1920
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33830, Bartow, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,289 (100%) |
| Owner Occupied HU | 8,662 (65.2%) |
| Renter Occupied HU | 3,320 (25.0%) |
| Vacant Housing Units | 1,307 ( 9.8%) |
| Median Home Value | $307,472 |
| Average Home Value | $360,489 |
Housing Distribution
Address Breakdown
Residential
11,750
Single Family
10,889
Multi-Family
861
Businesses
790
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices