4607 NW 165th StMiami GardensFL33054
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4607 NW 165th St, Miami Gardens, FL, 33054 in Miami Gardens at $739,700 earns $5,017/mo in rent and nets $108/mo after the $3,326/mo payment, a 8.14% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $204,365 over five years. Ziffy Mortgage underwrites this on a 1.51 DSCR without U.S. credit history. With $6,813/yr in principal paydown, total projected return reaches $288,894.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $108 | $250 |
City averages based on Miami Gardens market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,017 |
| Total Monthly Debt Service | $4,614 |
| 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.
Single Family
Built in 2006
7,750 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33054, Opa Locka, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,525 (100%) |
| Owner Occupied HU | 4,805 (45.7%) |
| Renter Occupied HU | 5,222 (49.6%) |
| Vacant Housing Units | 498 ( 4.7%) |
| Median Home Value | $378,458 |
| Average Home Value | $446,261 |
Housing Distribution
Address Breakdown
Residential
9,832
Single Family
8,196
Multi-Family
1,636
Businesses
2,072
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 2006
7,750 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33054, Opa Locka, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,525 (100%) |
| Owner Occupied HU | 4,805 (45.7%) |
| Renter Occupied HU | 5,222 (49.6%) |
| Vacant Housing Units | 498 ( 4.7%) |
| Median Home Value | $378,458 |
| Average Home Value | $446,261 |
Housing Distribution
Address Breakdown
Residential
9,832
Single Family
8,196
Multi-Family
1,636
Businesses
2,072
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Julio Cesar Gonzalez • Terra Realty Services
Mls Name: MIAMI
Mls ID: #A11907536