3135B Sugar Mill Ln #4BSaint CloudFL34769
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3135B Sugar Mill Ln #4B, Saint Cloud, FL, 34769 in Saint Cloud at $120,000 earns $938/mo in rent and nets $142/mo after the $540/mo payment, a 9.38% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $33,154 over five years. Ziffy Mortgage underwrites this on a 1.74 DSCR without U.S. credit history. With $1,105/yr in principal paydown, total projected return reaches $54,825.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.0% |
| Monthly Cash Flow | $142 | $250 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $938 |
| Total Monthly Debt Service | $749 |
| DSCR Ratio | 1.25x |
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 1992
N/A 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 1992
N/A 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: April Parrish • Great Florida Living, Inc.
Mls Name: My State MLS
Mls ID: #11614596