4277 Ranch House RdSaint CloudFL34772
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 4277 Ranch House Rd, Saint Cloud, FL, 34772 in Saint Cloud hard to pass up. The 10.04% gross yield on a $344,270 purchase results in $2,880/mo in rent and $595/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (1.86). Annual cash flow of $7,144, five-year appreciation of $95,115, and $3,171/yr in equity build-up combine for a projected total cumulative return of $169,557.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.0% |
| Monthly Cash Flow | $595 | $250 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,880 |
| Total Monthly Debt Service | $2,148 |
| DSCR Ratio | 1.34x |
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 2025
2,520 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34772, Saint Cloud, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,794 (100%) |
| Owner Occupied HU | 12,136 (82.0%) |
| Renter Occupied HU | 1,725 (11.7%) |
| Vacant Housing Units | 933 ( 6.3%) |
| Median Home Value | $438,275 |
| Average Home Value | $470,283 |
Housing Distribution
Address Breakdown
Residential
14,009
Single Family
12,674
Multi-Family
1,335
Businesses
158
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 2025
2,520 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34772, Saint Cloud, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,794 (100%) |
| Owner Occupied HU | 12,136 (82.0%) |
| Renter Occupied HU | 1,725 (11.7%) |
| Vacant Housing Units | 933 ( 6.3%) |
| Median Home Value | $438,275 |
| Average Home Value | $470,283 |
Housing Distribution
Address Breakdown
Residential
14,009
Single Family
12,674
Multi-Family
1,335
Businesses
158
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tatiana Souza • MERITAGE HOMES OF FL REALTY
Mls Name: Stellar MLS
Mls ID: #O6327534