5200 28th St N #124PetersburgFL33714
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 5200 28th St N #124, Petersburg, FL, 33714 in Petersburg at $119,900 earns $939/mo in rent and nets $143/mo after the $539/mo payment, a 9.4% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $33,126 over five years. Ziffy Mortgage underwrites this on a 1.74 DSCR without U.S. credit history. With $1,104/yr in principal paydown, total projected return reaches $54,984.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.5% |
| Monthly Cash Flow | $143 | $1,500 |
City averages based on Petersburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $939 |
| Total Monthly Debt Service | $748 |
| DSCR Ratio | 1.26x |
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.
Manufactured
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33714, Saint Petersburg, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,841 (100%) |
| Owner Occupied HU | 5,967 (55.0%) |
| Renter Occupied HU | 3,800 (35.1%) |
| Vacant Housing Units | 1,074 ( 9.9%) |
| Median Home Value | $202,961 |
| Average Home Value | $266,179 |
Housing Distribution
Address Breakdown
Residential
9,349
Single Family
7,974
Multi-Family
1,375
Businesses
539
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
Manufactured
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33714, Saint Petersburg, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,841 (100%) |
| Owner Occupied HU | 5,967 (55.0%) |
| Renter Occupied HU | 3,800 (35.1%) |
| Vacant Housing Units | 1,074 ( 9.9%) |
| Median Home Value | $202,961 |
| Average Home Value | $266,179 |
Housing Distribution
Address Breakdown
Residential
9,349
Single Family
7,974
Multi-Family
1,375
Businesses
539
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Cobblestone Communities
Mls Name: Cobblestone Communities
Mls ID: #N/A