2420 Cherimoya City In The Est #OFSaint James CityFL33956
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 2420 Cherimoya City In The Est #OF, Saint James City, FL, 33956 in Saint James City at $1,049,000, 3.78% gross yield, is a market-growth asset. Rental yield 3.78%. The $3,300/mo rent partially funds the $4,717/mo debt service; the core return is the 5%/yr price growth projected to add $289,819 over five years. Ziffy Mortgage's DSCR mortgage (0.70) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $164,176.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 7.0% |
| Monthly Cash Flow | $(3,661) | $250 |
City averages based on Saint James City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,300 |
| Total Monthly Debt Service | $6,544 |
| DSCR Ratio | 0.50x |
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 1984
N/A 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 1984
N/A 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: Chardayne Seuffert • Re/Max Sunshine
Mls Name: MIAMI
Mls ID: #A11942224