6100 12th St S, Apt 220, Saint Petersburg, FL 33705

Saint Petersburg, FL 33705 · 2 bd · 2 ba · 940 sqft · Condo · 73 days on market

The math, in full

Asking price: $164,000
Down payment (15%): $24,600
Loan amount: $139,400
Est. monthly rent: $2,470/mo; Range $2,100 to $2,841/mo
Monthly payment, all-in: $1,997/mo; Mortgage + taxes + insurance (PITIA)
Cashflow ratio (DSCR): 1.24; $2,470 rent ÷ $1,997 payment
Monthly cashflow: +$473/mo; What's left after the payment

Where the rent number comes from

Median asking rent for 2-bedroom homes in zip 33705, from current market comps, not a per-property guess. High confidence: plenty of comparable rentals in this zip.

Cash to start

$24,600

15% down on $164,000

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.