2240 Darby LnSaint CloudFL34769
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 2240 Darby Ln, Saint Cloud, FL, 34769 in Saint Cloud speaks for itself: 11.67% gross on a $224,999 price, generating $2,189/mo in rent and $696/mo in net income after the $1,012/mo debt service. DSCR 2.16, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,348 stacks alongside $62,163 in projected five-year appreciation and $2,072/yr in principal reduction. Projected total cumulative return: $130,572.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.0% |
| Monthly Cash Flow | $696 | $250 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,189 |
| Total Monthly Debt Service | $1,404 |
| DSCR Ratio | 1.56x |
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 1986
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34769, Saint Cloud, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,954 (100%) |
| Owner Occupied HU | 7,327 (61.3%) |
| Renter Occupied HU | 3,662 (30.6%) |
| Vacant Housing Units | 965 ( 8.1%) |
| Median Home Value | $347,776 |
| Average Home Value | $378,644 |
Housing Distribution
Address Breakdown
Residential
11,579
Single Family
10,333
Multi-Family
1,246
Businesses
881
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 1986
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34769, Saint Cloud, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,954 (100%) |
| Owner Occupied HU | 7,327 (61.3%) |
| Renter Occupied HU | 3,662 (30.6%) |
| Vacant Housing Units | 965 ( 8.1%) |
| Median Home Value | $347,776 |
| Average Home Value | $378,644 |
Housing Distribution
Address Breakdown
Residential
11,579
Single Family
10,333
Multi-Family
1,246
Businesses
881
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Wendy Stewart, LLC • THE PROPERTY PROS REAL ESTATE, INC
Mls Name: Stellar MLS
Mls ID: #O6348628