2321 Macadamia LnSaint James CityFL33956
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 2321 Macadamia Ln, Saint James City, FL, 33956 in Saint James City is a conservative rental investment at $875,000. Rental yield 7.51%. A 1.39 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $241,746; $8,059/yr in principal paydown supplements. Total projected return: $290,855.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 7.0% |
| Monthly Cash Flow | $(686) | $250 |
City averages based on Saint James City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,473 |
| Total Monthly Debt Service | $5,811 |
| DSCR Ratio | 0.94x |
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 2000
10,672 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33956, Saint James City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,514 (100%) |
| Owner Occupied HU | 1,959 (55.7%) |
| Renter Occupied HU | 184 ( 5.2%) |
| Vacant Housing Units | 1,371 (39.0%) |
| Median Home Value | $481,848 |
| Average Home Value | $575,255 |
Housing Distribution
Address Breakdown
Residential
2,911
Single Family
2,911
Multi-Family
0
Businesses
135
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 2000
10,672 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33956, Saint James City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,514 (100%) |
| Owner Occupied HU | 1,959 (55.7%) |
| Renter Occupied HU | 184 ( 5.2%) |
| Vacant Housing Units | 1,371 (39.0%) |
| Median Home Value | $481,848 |
| Average Home Value | $575,255 |
Housing Distribution
Address Breakdown
Residential
2,911
Single Family
2,911
Multi-Family
0
Businesses
135
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Monica Fowlds • Century 21 Selling Paradise
Mls Name: Florida Gulf Coast MLS
Mls Provider:
Mls ID: #2025004430
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.