5062 Village Gardens Dr #133SarasotaFL34234
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowTight but positive: 5062 Village Gardens Dr #133, Sarasota, FL, 34234 in Sarasota at $229,000 earns $2,280/mo in rent and nets $180/mo after the $1,030/mo payment, a 11.95% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $63,268 over five years. Ziffy Mortgage underwrites this on a 2.21 DSCR without U.S. credit history. With $2,109/yr in principal paydown, total projected return reaches $136,230.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 5.2% |
| Monthly Cash Flow | $180 | $300 |
City averages based on Sarasota market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,280 |
| Total Monthly Debt Service | $1,429 |
| DSCR Ratio | 1.60x |
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 1981
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34234, Sarasota, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,237 (100%) |
| Owner Occupied HU | 5,092 (49.7%) |
| Renter Occupied HU | 3,738 (36.5%) |
| Vacant Housing Units | 1,407 (13.7%) |
| Median Home Value | $261,205 |
| Average Home Value | $383,870 |
Housing Distribution
Address Breakdown
Residential
9,522
Single Family
8,820
Multi-Family
702
Businesses
776
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 1981
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34234, Sarasota, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,237 (100%) |
| Owner Occupied HU | 5,092 (49.7%) |
| Renter Occupied HU | 3,738 (36.5%) |
| Vacant Housing Units | 1,407 (13.7%) |
| Median Home Value | $261,205 |
| Average Home Value | $383,870 |
Housing Distribution
Address Breakdown
Residential
9,522
Single Family
8,820
Multi-Family
702
Businesses
776
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices