5244 Montego DrZephyrhillsFL33541
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 5244 Montego Dr, Zephyrhills, FL, 33541 in Zephyrhills. Priced at $134,000, it generates $2,101/mo in gross rent and $1,174/mo in net monthly cash flow, a 18.82% yield that comfortably supports the 3.48 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $14,088. Five-year appreciation: $37,022. Equity from principal paydown: $1,234/yr. Total projected cumulative return: $126,766.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.8% | 7.5% |
| Monthly Cash Flow | $1,174 | $300 |
City averages based on Zephyrhills market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,101 |
| Total Monthly Debt Service | $874 |
| DSCR Ratio | 2.40x |
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 1984
4,000 sqft lot
$N/A/sqft
$38 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33541, Zephyrhills, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,243 (100%) |
| Owner Occupied HU | 10,776 (66.3%) |
| Renter Occupied HU | 2,083 (12.8%) |
| Vacant Housing Units | 3,384 (20.8%) |
| Median Home Value | $242,315 |
| Average Home Value | $271,459 |
Housing Distribution
Address Breakdown
Residential
13,965
Single Family
10,880
Multi-Family
3,085
Businesses
369
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 1984
4,000 sqft lot
$N/A/sqft
$38 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33541, Zephyrhills, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,243 (100%) |
| Owner Occupied HU | 10,776 (66.3%) |
| Renter Occupied HU | 2,083 (12.8%) |
| Vacant Housing Units | 3,384 (20.8%) |
| Median Home Value | $242,315 |
| Average Home Value | $271,459 |
Housing Distribution
Address Breakdown
Residential
13,965
Single Family
10,880
Multi-Family
3,085
Businesses
369
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices