4306 Kelsey DrSebastianFL32976
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Sebastian rentals match the income profile of 4306 Kelsey Dr, Sebastian, FL, 32976. Listed at $375,990, gross rent is $4,062/mo and net cash flow is $1,470/mo, a 12.96% yield well above national averages. DSCR 2.40 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $103,879 by year five with $3,463/yr in annual principal reduction, projecting $238,329 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13% | 6.2% |
| Monthly Cash Flow | $1,470 | $300 |
City averages based on Sebastian market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,062 |
| Total Monthly Debt Service | $2,443 |
| DSCR Ratio | 1.66x |
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 2024
0.25 Acres lot
$N/A/sqft
$97 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32976, Sebastian, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,871 (100%) |
| Owner Occupied HU | 5,046 (73.4%) |
| Renter Occupied HU | 605 ( 8.8%) |
| Vacant Housing Units | 1,220 (17.8%) |
| Median Home Value | $149,704 |
| Average Home Value | $220,074 |
Housing Distribution
Address Breakdown
Residential
6,657
Single Family
6,614
Multi-Family
43
Businesses
108
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 2024
0.25 Acres lot
$N/A/sqft
$97 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32976, Sebastian, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,871 (100%) |
| Owner Occupied HU | 5,046 (73.4%) |
| Renter Occupied HU | 605 ( 8.8%) |
| Vacant Housing Units | 1,220 (17.8%) |
| Median Home Value | $149,704 |
| Average Home Value | $220,074 |
Housing Distribution
Address Breakdown
Residential
6,657
Single Family
6,614
Multi-Family
43
Businesses
108
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices