6397 Clover StLake HamiltonFL33838
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Lake Hamilton rental at 6397 Clover St, Lake Hamilton, FL, 33838 sits in the solid-income band: 9.41% gross yield, $2,268/mo rent, $349/mo net after the $1,300/mo debt service, DSCR 1.74. Entry price of $289,214 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $79,905 and $2,664/yr in principal reduction bring total cumulative return to $132,746.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.0% |
| Monthly Cash Flow | $349 | $1,200 |
City averages based on Lake Hamilton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,268 |
| Total Monthly Debt Service | $1,804 |
| 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.
Single Family
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33838, Dundee, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,066 (100%) |
| Owner Occupied HU | 1,404 (68.0%) |
| Renter Occupied HU | 359 (17.4%) |
| Vacant Housing Units | 303 (14.7%) |
| Median Home Value | $308,439 |
| Average Home Value | $354,637 |
Housing Distribution
Address Breakdown
Residential
2,058
Single Family
2,047
Multi-Family
11
Businesses
258
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33838, Dundee, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,066 (100%) |
| Owner Occupied HU | 1,404 (68.0%) |
| Renter Occupied HU | 359 (17.4%) |
| Vacant Housing Units | 303 (14.7%) |
| Median Home Value | $308,439 |
| Average Home Value | $354,637 |
Housing Distribution
Address Breakdown
Residential
2,058
Single Family
2,047
Multi-Family
11
Businesses
258
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Richmond American Homes
Mls Name: Richmond Homes
Mls Provider:
Mls ID: #N/A