4717 Osprey Ridge CirPalm HarborFL34684
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4717 Osprey Ridge Cir, Palm Harbor, FL, 34684 in Palm Harbor is narrow, $138/mo net on $3,390/mo rent after the $2,203/mo debt service, but the property operates at break-even-plus, not a loss. At $490,000 with a 8.3% yield, the long-run equity case via 5% appreciation ($135,378 over five years) and $4,513/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.54 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $195,691.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.8% |
| Monthly Cash Flow | $138 | $250 |
City averages based on Palm Harbor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,390 |
| Total Monthly Debt Service | $3,057 |
| DSCR Ratio | 1.11x |
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.
Townhouse
Built in 2013
3,345 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
Townhouse
Built in 2013
3,345 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amy Mills • FUTURE HOME REALTY INC
Mls Name: Stellar MLS
Mls ID: #TB8386291