131 Hawk StSanta Rosa BeachFL32459
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.32% yield at 131 Hawk St, Santa Rosa Beach, FL, 32459 in Santa Rosa Beach is solid, but the $1,349/mo payment compresses net cash flow to $14/mo at $299,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $82,857 by year five, and $2,762/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.54) without U.S. income documentation. Total projected return: $120,007.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 7.0% |
| Monthly Cash Flow | $14 | $1,500 |
City averages based on Santa Rosa Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,079 |
| Total Monthly Debt Service | $1,871 |
| DSCR Ratio | 1.11x |
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.
Townhouse
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32459, Santa Rosa Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,830 (100%) |
| Owner Occupied HU | 8,154 (39.1%) |
| Renter Occupied HU | 2,773 (13.3%) |
| Vacant Housing Units | 9,903 (47.5%) |
| Median Home Value | $762,452 |
| Average Home Value | $945,293 |
Housing Distribution
Address Breakdown
Residential
15,273
Single Family
12,773
Multi-Family
2,500
Businesses
1,346
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
Townhouse
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32459, Santa Rosa Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,830 (100%) |
| Owner Occupied HU | 8,154 (39.1%) |
| Renter Occupied HU | 2,773 (13.3%) |
| Vacant Housing Units | 9,903 (47.5%) |
| Median Home Value | $762,452 |
| Average Home Value | $945,293 |
Housing Distribution
Address Breakdown
Residential
15,273
Single Family
12,773
Multi-Family
2,500
Businesses
1,346
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Pamela K Hawkins • DR Horton Realty of Emerald Coast LLC
Mls Name: ECAOR
Mls ID: #994901