96000 Overseas Hwy APT C4Key LargoFL33037
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeFinancing efficiency matters for international buyers, and 96000 Overseas Hwy APT C4, Key Largo, FL, 33037 in Key Largo offers it: the 1.61 DSCR gives Ziffy Mortgage's underwriting team an unusually clean file, no U.S. credit, no personal income required. Rental yield 8.66%. Long-term, 5% appreciation is forecast to add $276,005, and $9,201/yr in principal paydown compounds equity steadily. Projected five-year cumulative return: $345,794.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 7.5% |
| Monthly Cash Flow | $(626) | $1,200 |
City averages based on Key Largo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,212 |
| Total Monthly Debt Service | $7,440 |
| DSCR Ratio | 0.97x |
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.
Townhouse
Built in 1972
N/A lot
$N/A/sqft
$1,208 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33037, Key Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,705 (100%) |
| Owner Occupied HU | 4,666 (43.6%) |
| Renter Occupied HU | 1,622 (15.2%) |
| Vacant Housing Units | 4,417 (41.3%) |
| Median Home Value | $777,375 |
| Average Home Value | $1,018,328 |
Housing Distribution
Address Breakdown
Residential
8,579
Single Family
8,132
Multi-Family
447
Businesses
826
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
Townhouse
Built in 1972
N/A lot
$N/A/sqft
$1,208 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33037, Key Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,705 (100%) |
| Owner Occupied HU | 4,666 (43.6%) |
| Renter Occupied HU | 1,622 (15.2%) |
| Vacant Housing Units | 4,417 (41.3%) |
| Median Home Value | $777,375 |
| Average Home Value | $1,018,328 |
Housing Distribution
Address Breakdown
Residential
8,579
Single Family
8,132
Multi-Family
447
Businesses
826
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices