109 Stone Gate LnPort OrangeFL32129
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 109 Stone Gate Ln, Port Orange, FL, 32129 in Port Orange at $158,900 earns $1,262/mo in rent and nets $160/mo after the $715/mo payment, a 9.53% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $43,901 over five years. Ziffy Mortgage underwrites this on a 1.77 DSCR without U.S. credit history. With $1,463/yr in principal paydown, total projected return reaches $73,923.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.5% |
| Monthly Cash Flow | $160 | $200 |
City averages based on Port Orange market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,262 |
| Total Monthly Debt Service | $991 |
| DSCR Ratio | 1.27x |
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.
Manufactured
Built in 1971
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32129, Port Orange, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,335 (100%) |
| Owner Occupied HU | 7,262 (58.9%) |
| Renter Occupied HU | 3,950 (32.0%) |
| Vacant Housing Units | 1,123 ( 9.1%) |
| Median Home Value | $286,188 |
| Average Home Value | $306,720 |
Housing Distribution
Address Breakdown
Residential
11,464
Single Family
8,868
Multi-Family
2,596
Businesses
824
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
Manufactured
Built in 1971
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32129, Port Orange, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,335 (100%) |
| Owner Occupied HU | 7,262 (58.9%) |
| Renter Occupied HU | 3,950 (32.0%) |
| Vacant Housing Units | 1,123 ( 9.1%) |
| Median Home Value | $286,188 |
| Average Home Value | $306,720 |
Housing Distribution
Address Breakdown
Residential
11,464
Single Family
8,868
Multi-Family
2,596
Businesses
824
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Holly Vandeventer • CRYSTAL SNOOK REAL ESTATE
Mls Name: Stellar MLS
Mls ID: #OM704682