65821 Overseas Hwy LOT 172Long KeyFL33001
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 65821 Overseas Hwy LOT 172, Long Key, FL, 33001 in Long Key, $349,000, 9.93% gross yield, $161/mo net income. Consider it a market-entry position, the $2,888/mo rent covers the $1,569/mo payment with a margin, and 5%/yr appreciation is projected to add $96,422 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.84) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $145,226.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.0% |
| Monthly Cash Flow | $161 | $1,500 |
City averages based on Long Key market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,888 |
| Total Monthly Debt Service | $2,588 |
| DSCR Ratio | 1.12x |
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 1982
1,742 sqft lot
$N/A/sqft
$411 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
Manufactured
Built in 1982
1,742 sqft lot
$N/A/sqft
$411 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
Listed by: LISA FRINS P.A. • Berkshire Hathaway HomeServices Keys Real Estate - Islamorada
Mls Name: FLKMLS
Mls Provider:
Mls ID: #615603
Disclaimer: MLS Internet Data Exchange (IDX) information is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the Florida Keys Board of Realtors.