432 SE Kitching CirStuartFL34994
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 432 SE Kitching Cir, Stuart, FL, 34994 in Stuart clears it at 1.90, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 9.66%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $78,720; $2,624/yr in principal equity; total projected return: $118,762.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.0% |
| Monthly Cash Flow | $(5) | $350 |
City averages based on Stuart market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,428 |
| Total Monthly Debt Service | $2,185 |
| DSCR Ratio | 1.11x |
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.
Condo
Built in 2005
25.94 Acres lot
$N/A/sqft
$331 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34994, Stuart, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,387 (100%) |
| Owner Occupied HU | 5,051 (48.6%) |
| Renter Occupied HU | 3,650 (35.1%) |
| Vacant Housing Units | 1,686 (16.2%) |
| Median Home Value | $390,493 |
| Average Home Value | $517,779 |
Housing Distribution
Address Breakdown
Residential
9,783
Single Family
7,227
Multi-Family
2,556
Businesses
1,941
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
Condo
Built in 2005
25.94 Acres lot
$N/A/sqft
$331 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34994, Stuart, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,387 (100%) |
| Owner Occupied HU | 5,051 (48.6%) |
| Renter Occupied HU | 3,650 (35.1%) |
| Vacant Housing Units | 1,686 (16.2%) |
| Median Home Value | $390,493 |
| Average Home Value | $517,779 |
Housing Distribution
Address Breakdown
Residential
9,783
Single Family
7,227
Multi-Family
2,556
Businesses
1,941
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Deborah Sahlberg • Berkshire Hathaway Florida RE
Mls Name: Martin County REALTORS of the Treasure Coast (MCRTC)
Mls Provider:
Mls ID: #M20045760
Disclaimer: All listings featuring the MCRTC logo are provided by Martin County REALTORS of the Treasure Coast, Inc. Multiple Listing Service. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright 2025 Martin County REALTORS of the Treasure Coast, Inc. Information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.