4915 Bay St NE, Apt 126, Saint Petersburg, FL 33703

Saint Petersburg, FL 33703 · 2 bd · 2 ba · 1,035 sqft · Condo · 105 days on market

The math, in full

Asking price: $122,900
Down payment (15%): $18,435
Loan amount: $104,465
Est. monthly rent: $2,000/mo; Range $1,700 to $2,300/mo
Monthly payment, all-in: $1,665/mo; Mortgage + taxes + insurance (PITIA)
Cashflow ratio (DSCR): 1.20; $2,000 rent ÷ $1,665 payment
Monthly cashflow: +$335/mo; What's left after the payment

Where the rent number comes from

Median asking rent for 2-bedroom homes in zip 33703, from current market comps, not a per-property guess. High confidence: plenty of comparable rentals in this zip.

Cash to start

$18,435

15% down on $122,900

Your local lender

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Screened against real lending criteria. This one fits 2 programs.
Qualifies on the property's rent, no W-2 or tax returns.
Listing data verified as of July 5, 2026.

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Rent, payment, and cashflow figures are estimates based on current market data and business-purpose investment-loan criteria, for non-owner-occupied property. Not a commitment to lend, not financial advice, and not an offer of any specific loan or property. Listing data may change; properties may sell. All terms confirmed by a loan officer and subject to underwriting and appraisal.