4730 Pine Tree Dr APT 14Miami BeachFL33140
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4730 Pine Tree Dr APT 14, Miami Beach, FL, 33140 in Miami Beach at $117,500 earns $914/mo in rent and nets $134/mo after the $528/mo payment, a 9.33% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $32,463 over five years. Ziffy Mortgage underwrites this on a 1.73 DSCR without U.S. credit history. With $1,082/yr in principal paydown, total projected return reaches $53,476.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 5.2% |
| Monthly Cash Flow | $134 | $2,100 |
City averages based on Miami Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $914 |
| Total Monthly Debt Service | $733 |
| DSCR Ratio | 1.25x |
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.
Condo
Built in 1948
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33140, Miami Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,183 (100%) |
| Owner Occupied HU | 5,771 (33.6%) |
| Renter Occupied HU | 3,645 (21.2%) |
| Vacant Housing Units | 7,767 (45.2%) |
| Median Home Value | $985,285 |
| Average Home Value | $1,189,094 |
Housing Distribution
Address Breakdown
Residential
13,770
Single Family
2,707
Multi-Family
11,063
Businesses
828
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
Condo
Built in 1948
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33140, Miami Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,183 (100%) |
| Owner Occupied HU | 5,771 (33.6%) |
| Renter Occupied HU | 3,645 (21.2%) |
| Vacant Housing Units | 7,767 (45.2%) |
| Median Home Value | $985,285 |
| Average Home Value | $1,189,094 |
Housing Distribution
Address Breakdown
Residential
13,770
Single Family
2,707
Multi-Family
11,063
Businesses
828
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Howard Chase • Howard Chase Real Estate, LLC
Mls Name: MIAMI
Mls ID: #A11868898