4226 Lucaya Pointe WayVero BeachFL32967
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 4226 Lucaya Pointe Way, Vero Beach, FL, 32967 in Vero Beach fits: $964,873, 5.12% gross yield, and a projected 5% annual appreciation rate adding $266,577 in value within five years. Rental yield 5.12%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.95) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,887/yr in principal paydown and $266,577 in appreciation project a total return of $204,963.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 8.0% |
| Monthly Cash Flow | $(2,547) | $1,500 |
City averages based on Vero Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,118 |
| Total Monthly Debt Service | $6,281 |
| DSCR Ratio | 0.66x |
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 2025
6,188 sqft lot
$N/A/sqft
$262 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32967, Vero Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,975 (100%) |
| Owner Occupied HU | 9,875 (70.7%) |
| Renter Occupied HU | 2,571 (18.4%) |
| Vacant Housing Units | 1,529 (10.9%) |
| Median Home Value | $436,604 |
| Average Home Value | $497,904 |
Housing Distribution
Address Breakdown
Residential
12,707
Single Family
11,130
Multi-Family
1,577
Businesses
362
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 2025
6,188 sqft lot
$N/A/sqft
$262 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32967, Vero Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,975 (100%) |
| Owner Occupied HU | 9,875 (70.7%) |
| Renter Occupied HU | 2,571 (18.4%) |
| Vacant Housing Units | 1,529 (10.9%) |
| Median Home Value | $436,604 |
| Average Home Value | $497,904 |
Housing Distribution
Address Breakdown
Residential
12,707
Single Family
11,130
Multi-Family
1,577
Businesses
362
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa D Krynski • The GHO Homes Agency LLC
Mls Name: Realtor Association of Indian River County
Mls Provider:
Mls ID: #289906
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.