3194 Bayview LnSaint CloudFL34772
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3194 Bayview Ln, Saint Cloud, FL, 34772 in Saint Cloud at $537,500 earns $3,652/mo in rent and nets $85/mo after the $2,417/mo payment, a 8.15% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $148,501 over five years. Ziffy Mortgage underwrites this on a 1.51 DSCR without U.S. credit history. With $4,950/yr in principal paydown, total projected return reaches $210,329.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.0% |
| Monthly Cash Flow | $85 | $250 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,652 |
| Total Monthly Debt Service | $3,353 |
| DSCR Ratio | 1.09x |
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.
Single Family
Built in 2002
0.29 Acres 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
Single Family
Built in 2002
0.29 Acres 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: Christine Bowman • WEICHERT REALTORS HALLMARK PRO
Mls Name: Stellar MLS
Mls ID: #S5131838