3613 Willow Lake CtSaint CloudFL34769
INVESTMENT ANALYSIS
Investment Verdict
Solid Income3613 Willow Lake Ct, Saint Cloud, FL, 34769 in Saint Cloud is a solid income-producing rental, 8.86% gross yield, $2,699/mo rent, $274/mo net cash flow on a $365,440 buy. DSCR 1.64 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $100,964 and $3,366/yr in principal reduction project a total cumulative return of $156,925.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.0% |
| Monthly Cash Flow | $274 | $250 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,699 |
| Total Monthly Debt Service | $2,280 |
| DSCR Ratio | 1.18x |
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 1989
10,716 sqft 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
Single Family
Built in 1989
10,716 sqft 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: Madie Zilke • SOUTHERN GROUNDS REALTY LLC
Mls Name: Stellar MLS
Mls ID: #S5136272