4317 Jetty LnPalm BayFL32905
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4317 Jetty Ln, Palm Bay, FL, 32905 in Palm Bay. Priced at $268,990, it generates $2,594/mo in gross rent and $644/mo in net monthly cash flow, a 11.57% yield that comfortably supports the 2.14 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,732. Five-year appreciation: $74,317. Equity from principal paydown: $2,477/yr. Total projected cumulative return: $144,681.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 6.0% |
| Monthly Cash Flow | $644 | $450 |
City averages based on Palm Bay market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,594 |
| Total Monthly Debt Service | $1,843 |
| DSCR Ratio | 1.41x |
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 2026
1,742 sqft lot
$N/A/sqft
$165 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32905, Palm Bay, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,522 (100%) |
| Owner Occupied HU | 6,818 (50.4%) |
| Renter Occupied HU | 5,409 (40.0%) |
| Vacant Housing Units | 1,295 ( 9.6%) |
| Median Home Value | $250,716 |
| Average Home Value | $271,753 |
Housing Distribution
Address Breakdown
Residential
13,064
Single Family
10,740
Multi-Family
2,324
Businesses
956
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 2026
1,742 sqft lot
$N/A/sqft
$165 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32905, Palm Bay, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,522 (100%) |
| Owner Occupied HU | 6,818 (50.4%) |
| Renter Occupied HU | 5,409 (40.0%) |
| Vacant Housing Units | 1,295 ( 9.6%) |
| Median Home Value | $250,716 |
| Average Home Value | $271,753 |
Housing Distribution
Address Breakdown
Residential
13,064
Single Family
10,740
Multi-Family
2,324
Businesses
956
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Adrienne Escott • Pulte Realty of North Florida
Mls Name: Space Coast AOR
Mls ID: #1066057
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.