978 Gibraltar Rd, Key Largo, FL 33037

Key Largo, FL 33037 · 4 bd · 2 ba · 3,794 sqft · Multi-Family · 40 days on market

The math, in full

Asking price: $680,000
Down payment (15%): $102,000
Loan amount: $578,000
Est. monthly rent: $6,500/mo; Range $5,525 to $7,475/mo
Monthly payment, all-in: $5,586/mo; Mortgage + taxes + insurance (PITIA)
Cashflow ratio (DSCR): 1.16; $6,500 rent ÷ $5,586 payment
Monthly cashflow: +$914/mo; What's left after the payment

Where the rent number comes from

Median asking rent for 4-bedroom homes in zip 33037, from current market comps, not a per-property guess. High confidence: plenty of comparable rentals in this zip.

Cash to start

$102,000

15% down on $680,000

Your local lender

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Screened against real lending criteria. This one fits 3 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.