4185 Peppertree StCocoaFL32926
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.11% gross rental yield, 4185 Peppertree St, Cocoa, FL, 32926 in Cocoa is priced for capital growth, not immediate cash flow. The $629,888 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $174,026 by year five, with $5,801/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.76) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $109,975.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 8.0% |
| Monthly Cash Flow | $(2,022) | $1,000 |
City averages based on Cocoa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,158 |
| Total Monthly Debt Service | $3,929 |
| DSCR Ratio | 0.55x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2026
1.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32926, Cocoa, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,362 (100%) |
| Owner Occupied HU | 8,000 (70.4%) |
| Renter Occupied HU | 2,410 (21.2%) |
| Vacant Housing Units | 952 ( 8.4%) |
| Median Home Value | $351,476 |
| Average Home Value | $414,836 |
Housing Distribution
Address Breakdown
Residential
10,556
Single Family
9,989
Multi-Family
567
Businesses
503
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 2026
1.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32926, Cocoa, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,362 (100%) |
| Owner Occupied HU | 8,000 (70.4%) |
| Renter Occupied HU | 2,410 (21.2%) |
| Vacant Housing Units | 952 ( 8.4%) |
| Median Home Value | $351,476 |
| Average Home Value | $414,836 |
Housing Distribution
Address Breakdown
Residential
10,556
Single Family
9,989
Multi-Family
567
Businesses
503
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices