65620 Overseas HwyLong KeyFL33001
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Long Key at 65620 Overseas Hwy, Long Key, FL, 33001 projects strong ROI of 1%. Rental yield 1.85%. With 5% annual appreciation, the property builds $1,077,222 in value over five years. Equity growth combined delivers a projected five-year ROI of 18.8%, translating into $207,098 in total cumulative return on $1,101,468 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.9% | 6.0% |
| Monthly Cash Flow | $(19,874) | $1,500 |
City averages based on Long Key market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,000 |
| Total Monthly Debt Service | $24,323 |
| DSCR Ratio | 0.25x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Multi Family
Built in 1972
0.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33001, Long Key, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 163 (100%) |
| Owner Occupied HU | 76 (46.6%) |
| Renter Occupied HU | 28 (17.2%) |
| Vacant Housing Units | 59 (36.2%) |
| Median Home Value | $736,842 |
| Average Home Value | $781,645 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
24
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
Multi Family
Built in 1972
0.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33001, Long Key, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 163 (100%) |
| Owner Occupied HU | 76 (46.6%) |
| Renter Occupied HU | 28 (17.2%) |
| Vacant Housing Units | 59 (36.2%) |
| Median Home Value | $736,842 |
| Average Home Value | $781,645 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices