H17 Miriam StStock IslandFL33040
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at H17 Miriam St, Stock Island, FL, 33040 in Stock Island speaks for itself: 15.95% gross on a $479,000 price, generating $6,367/mo in rent and $3,188/mo in net income after the $2,154/mo debt service. DSCR 2.96, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $38,262 stacks alongside $132,339 in projected five-year appreciation and $4,412/yr in principal reduction. Projected total cumulative return: $387,715.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16% | 8.0% |
| Monthly Cash Flow | $3,188 | $1,500 |
City averages based on Stock Island market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,367 |
| Total Monthly Debt Service | $2,988 |
| DSCR Ratio | 2.13x |
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.
Lot
Built in N/A
3,673 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33040, Key West, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,243 (100%) |
| Owner Occupied HU | 7,981 (41.5%) |
| Renter Occupied HU | 7,648 (39.7%) |
| Vacant Housing Units | 3,614 (18.8%) |
| Median Home Value | $838,960 |
| Average Home Value | $964,799 |
Housing Distribution
Address Breakdown
Residential
16,035
Single Family
13,799
Multi-Family
2,236
Businesses
1,840
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
Lot
Built in N/A
3,673 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33040, Key West, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,243 (100%) |
| Owner Occupied HU | 7,981 (41.5%) |
| Renter Occupied HU | 7,648 (39.7%) |
| Vacant Housing Units | 3,614 (18.8%) |
| Median Home Value | $838,960 |
| Average Home Value | $964,799 |
Housing Distribution
Address Breakdown
Residential
16,035
Single Family
13,799
Multi-Family
2,236
Businesses
1,840
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices