2312 Seven Oaks DrSaint CloudFL34772
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 2312 Seven Oaks Dr, Saint Cloud, FL, 34772 in Saint Cloud is narrow, $157/mo net on $2,213/mo rent after the $1,250/mo debt service, but the property operates at break-even-plus, not a loss. At $278,000 with a 9.55% yield, the long-run equity case via 5% appreciation ($76,806 over five years) and $2,560/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.77 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $129,652.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.0% |
| Monthly Cash Flow | $157 | $250 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,213 |
| Total Monthly Debt Service | $1,734 |
| DSCR Ratio | 1.28x |
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 2016
3,485 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34772, Saint Cloud, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,794 (100%) |
| Owner Occupied HU | 12,136 (82.0%) |
| Renter Occupied HU | 1,725 (11.7%) |
| Vacant Housing Units | 933 ( 6.3%) |
| Median Home Value | $438,275 |
| Average Home Value | $470,283 |
Housing Distribution
Address Breakdown
Residential
14,009
Single Family
12,674
Multi-Family
1,335
Businesses
158
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 2016
3,485 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34772, Saint Cloud, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,794 (100%) |
| Owner Occupied HU | 12,136 (82.0%) |
| Renter Occupied HU | 1,725 (11.7%) |
| Vacant Housing Units | 933 ( 6.3%) |
| Median Home Value | $438,275 |
| Average Home Value | $470,283 |
Housing Distribution
Address Breakdown
Residential
14,009
Single Family
12,674
Multi-Family
1,335
Businesses
158
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Stellar MLS
Mls ID: #O6386504