65821 Overseas Hwy #95Long KeyFL33001
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 65821 Overseas Hwy #95, Long Key, FL, 33001 in Long Key. Rental yield 5.97%. At $933,300 with 5.97% gross yield, current distributions are modest, but the 5% appreciation rate projects $257,854 in new equity by year five, complemented by $8,596/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.11) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $237,639.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.0% |
| Monthly Cash Flow | $(1,856) | $1,500 |
City averages based on Long Key market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,644 |
| Total Monthly Debt Service | $6,128 |
| DSCR Ratio | 0.76x |
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.
Single Family
Built in 2007
1,905 sqft lot
$N/A/sqft
$306 monthly 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
Single Family
Built in 2007
1,905 sqft lot
$N/A/sqft
$306 monthly 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