4523 20th Ave NSaint PetersburgFL33713
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4523 20th Ave N, Saint Petersburg, FL, 33713 in Saint Petersburg speaks for itself: 11.55% gross on a $404,000 price, generating $3,888/mo in rent and $1,207/mo in net income after the $1,817/mo debt service. DSCR 2.14, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $14,484 stacks alongside $111,618 in projected five-year appreciation and $3,721/yr in principal reduction. Projected total cumulative return: $231,663.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 6.0% |
| Monthly Cash Flow | $1,207 | $1,800 |
City averages based on Saint Petersburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,888 |
| Total Monthly Debt Service | $2,520 |
| DSCR Ratio | 1.54x |
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 1962
8,041 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 1962
8,041 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices