8650 Congress StPort RicheyFL34668
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 8650 Congress St, Port Richey, FL, 34668 in Port Richey at $160,000 earns $1,698/mo in rent and nets $198/mo after the $719/mo payment, a 9.26% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $44,205 over five years. Ziffy Mortgage underwrites this on a 2.36 DSCR without U.S. credit history. With $1,474/yr in principal paydown, total projected return reaches $96,880.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.5% |
| Monthly Cash Flow | $198 | $300 |
City averages based on Port Richey market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,698 |
| Total Monthly Debt Service | $1,083 |
| DSCR Ratio | 1.57x |
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 1974
5,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34668, Port Richey, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,900 (100%) |
| Owner Occupied HU | 13,133 (54.9%) |
| Renter Occupied HU | 7,814 (32.7%) |
| Vacant Housing Units | 2,953 (12.4%) |
| Median Home Value | $179,517 |
| Average Home Value | $264,031 |
Housing Distribution
Address Breakdown
Residential
21,967
Single Family
20,116
Multi-Family
1,851
Businesses
1,063
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 1974
5,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34668, Port Richey, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,900 (100%) |
| Owner Occupied HU | 13,133 (54.9%) |
| Renter Occupied HU | 7,814 (32.7%) |
| Vacant Housing Units | 2,953 (12.4%) |
| Median Home Value | $179,517 |
| Average Home Value | $264,031 |
Housing Distribution
Address Breakdown
Residential
21,967
Single Family
20,116
Multi-Family
1,851
Businesses
1,063
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Trinity French • EXIT BAYSHORE REALTY
Mls Name: Stellar MLS
Mls Provider:
Mls ID: #TB8418188
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