4941 Cardinal TrlPalm HarborFL34683
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeA DSCR of 1.54 makes 4941 Cardinal Trl, Palm Harbor, FL, 34683 in Palm Harbor one of the easier properties to finance via Ziffy Mortgage's rental-income underwriting. Rental yield 8.31%. The 8.31% yield, 5% annual appreciation ($159,967 over five years), and $5,333/yr in principal reduction project a total cumulative return of $218,592.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.8% |
| Monthly Cash Flow | $(46) | $250 |
City averages based on Palm Harbor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,008 |
| Total Monthly Debt Service | $3,824 |
| DSCR Ratio | 1.05x |
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 1981
7,928 sqft lot
$N/A/sqft
$8 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34683, Palm Harbor, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,757 (100%) |
| Owner Occupied HU | 11,743 (70.1%) |
| Renter Occupied HU | 3,060 (18.3%) |
| Vacant Housing Units | 1,954 (11.7%) |
| Median Home Value | $476,669 |
| Average Home Value | $538,671 |
Housing Distribution
Address Breakdown
Residential
14,234
Single Family
12,031
Multi-Family
2,203
Businesses
572
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 1981
7,928 sqft lot
$N/A/sqft
$8 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34683, Palm Harbor, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,757 (100%) |
| Owner Occupied HU | 11,743 (70.1%) |
| Renter Occupied HU | 3,060 (18.3%) |
| Vacant Housing Units | 1,954 (11.7%) |
| Median Home Value | $476,669 |
| Average Home Value | $538,671 |
Housing Distribution
Address Breakdown
Residential
14,234
Single Family
12,031
Multi-Family
2,203
Businesses
572
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nathalia Spring • COLDWELL BANKER REALTY
Mls Name: Stellar MLS
Mls Provider:
Mls ID: #TB8482100
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