13875 N Indian River DrSebastianFL32958
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 13875 N Indian River Dr, Sebastian, FL, 32958 in Sebastian the bet is firmly on appreciation. Rental yield 2.45%. The 2.45% gross yield on a $885,000 price is below income-first thresholds, but 5%/yr value growth projects $244,509 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.43) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $58,832.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.5% | 6.2% |
| Monthly Cash Flow | $(4,069) | $300 |
City averages based on Sebastian market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,804 |
| Total Monthly Debt Service | $5,737 |
| DSCR Ratio | 0.31x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1915
1.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32958, Sebastian, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,652 (100%) |
| Owner Occupied HU | 11,833 (75.6%) |
| Renter Occupied HU | 2,190 (14.0%) |
| Vacant Housing Units | 1,629 (10.4%) |
| Median Home Value | $369,686 |
| Average Home Value | $445,554 |
Housing Distribution
Address Breakdown
Residential
15,124
Single Family
13,975
Multi-Family
1,149
Businesses
803
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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
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