3824 SE Jefferson St #3824StuartFL34997
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowTight but positive: 3824 SE Jefferson St #3824, Stuart, FL, 34997 in Stuart at $269,900 earns $2,684/mo in rent and nets $94/mo after the $1,214/mo payment, a 11.94% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $74,568 over five years. Ziffy Mortgage underwrites this on a 2.21 DSCR without U.S. credit history. With $2,486/yr in principal paydown, total projected return reaches $160,304.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 6.0% |
| Monthly Cash Flow | $94 | $350 |
City averages based on Stuart market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,684 |
| Total Monthly Debt Service | $1,684 |
| DSCR Ratio | 1.59x |
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.
Townhouse
Built in 1979
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34997, Stuart, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,986 (100%) |
| Owner Occupied HU | 15,372 (69.9%) |
| Renter Occupied HU | 4,135 (18.8%) |
| Vacant Housing Units | 2,479 (11.3%) |
| Median Home Value | $444,402 |
| Average Home Value | $523,797 |
Housing Distribution
Address Breakdown
Residential
21,562
Single Family
19,886
Multi-Family
1,676
Businesses
1,479
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
Townhouse
Built in 1979
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34997, Stuart, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,986 (100%) |
| Owner Occupied HU | 15,372 (69.9%) |
| Renter Occupied HU | 4,135 (18.8%) |
| Vacant Housing Units | 2,479 (11.3%) |
| Median Home Value | $444,402 |
| Average Home Value | $523,797 |
Housing Distribution
Address Breakdown
Residential
21,562
Single Family
19,886
Multi-Family
1,676
Businesses
1,479
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices