4312 Ranch House RdSaint CloudFL34772
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 4312 Ranch House Rd, Saint Cloud, FL, 34772 in Saint Cloud delivers $2,776/mo in gross rent and $203/mo in net monthly income at a $361,330 entry. The 9.22% yield and 1.71 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $99,829 over five years and $3,328/yr in equity from loan paydown, total projected return is $151,555.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.0% |
| Monthly Cash Flow | $203 | $250 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,776 |
| Total Monthly Debt Service | $2,429 |
| DSCR Ratio | 1.14x |
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 2024
2,520 sqft lot
$N/A/sqft
$175 monthly 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 2024
2,520 sqft lot
$N/A/sqft
$175 monthly 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