4317 Vibernum AveSaint CloudFL34772
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4317 Vibernum Ave, Saint Cloud, FL, 34772 in Saint Cloud is narrow, $75/mo net on $3,428/mo rent after the $2,194/mo debt service, but the property operates at break-even-plus, not a loss. At $487,990 with a 8.43% yield, the long-run equity case via 5% appreciation ($134,823 over five years) and $4,494/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.56 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $198,259.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.0% |
| Monthly Cash Flow | $75 | $250 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,428 |
| Total Monthly Debt Service | $3,044 |
| DSCR Ratio | 1.13x |
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 2026
3,484 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
Single Family
Built in 2026
3,484 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: Ben Goldstein • LENNAR REALTY
Mls Name: Stellar MLS
Mls ID: #O6379777