12631 SW Lunata WayPort Saint LucieFL34987
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 12631 SW Lunata Way, Port Saint Lucie, FL, 34987 in Port Saint Lucie is a conservative rental investment at $708,395. Rental yield 7.64%. A 1.42 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $195,716; $6,524/yr in principal paydown supplements. Total projected return: $232,066.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $(619) | $1,250 |
City averages based on Port Saint Lucie market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,511 |
| Total Monthly Debt Service | $4,848 |
| DSCR Ratio | 0.93x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Single Family
Built in 2026
8,572 sqft lot
$N/A/sqft
$429 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34987, Port Saint Lucie, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,491 (100%) |
| Owner Occupied HU | 11,302 (68.5%) |
| Renter Occupied HU | 2,753 (16.7%) |
| Vacant Housing Units | 2,436 (14.8%) |
| Median Home Value | $475,710 |
| Average Home Value | $527,525 |
Housing Distribution
Address Breakdown
Residential
13,529
Single Family
10,100
Multi-Family
3,429
Businesses
223
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
Single Family
Built in 2026
8,572 sqft lot
$N/A/sqft
$429 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34987, Port Saint Lucie, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,491 (100%) |
| Owner Occupied HU | 11,302 (68.5%) |
| Renter Occupied HU | 2,753 (16.7%) |
| Vacant Housing Units | 2,436 (14.8%) |
| Median Home Value | $475,710 |
| Average Home Value | $527,525 |
Housing Distribution
Address Breakdown
Residential
13,529
Single Family
10,100
Multi-Family
3,429
Businesses
223
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bill Maltbie • Maltbie Realty Group
Mls Name: BeachesMLS
Mls Provider:
Mls ID: #F10539359
Disclaimer: All listings featuring the BMLS logo are provided by Beaches MLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright 2025 Beaches Multiple Listing Service, Inc. Information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.