3505 Mango StSaint James CityFL33956
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 3505 Mango St, Saint James City, FL, 33956 in Saint James City: $5,220/mo in rent, $1,703/mo net, 11.82% gross yield, all on a $530,000 acquisition. The 2.19 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $146,429 in value, and $4,881/yr in principal paydown steadily builds equity. Projected total cumulative return: $311,594.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 7.0% |
| Monthly Cash Flow | $1,703 | $250 |
City averages based on Saint James City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,220 |
| Total Monthly Debt Service | $3,306 |
| DSCR Ratio | 1.58x |
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 2022
0.31 Acres 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 2022
0.31 Acres 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: Leslie Osborne • John R. Wood Properties
Mls Name: Florida Gulf Coast MLS
Mls ID: #2026005994