79901 Overseas Hwy APT 101Upper Matecumbe KeyFL33036
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow79901 Overseas Hwy APT 101, Upper Matecumbe Key, FL, 33036 in Upper Matecumbe Key is a top-tier cash-flow asset. At $399,500 it produces $4,542/mo in rent and $1,273/mo in net monthly income, a 13.64% gross rental yield. The DSCR of 2.53 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $15,274. Five-year appreciation adds $110,374, driving a total cumulative return of $236,929.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.6% | 6.0% |
| Monthly Cash Flow | $1,273 | $2,000 |
City averages based on Upper Matecumbe Key market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,542 |
| Total Monthly Debt Service | $3,110 |
| DSCR Ratio | 1.46x |
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.
Condo
Built in 1976
8,400 sqft lot
$N/A/sqft
$618 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33036, Islamorada, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,495 (100%) |
| Owner Occupied HU | 1,353 (38.7%) |
| Renter Occupied HU | 467 (13.4%) |
| Vacant Housing Units | 1,675 (47.9%) |
| Median Home Value | $989,443 |
| Average Home Value | $1,148,971 |
Housing Distribution
Address Breakdown
Residential
2,561
Single Family
2,019
Multi-Family
542
Businesses
395
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
Condo
Built in 1976
8,400 sqft lot
$N/A/sqft
$618 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33036, Islamorada, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,495 (100%) |
| Owner Occupied HU | 1,353 (38.7%) |
| Renter Occupied HU | 467 (13.4%) |
| Vacant Housing Units | 1,675 (47.9%) |
| Median Home Value | $989,443 |
| Average Home Value | $1,148,971 |
Housing Distribution
Address Breakdown
Residential
2,561
Single Family
2,019
Multi-Family
542
Businesses
395
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices