433 California AveSaint CloudFL34769
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 433 California Ave, Saint Cloud, FL, 34769 in Saint Cloud speaks for itself: 11.51% gross on a $289,000 price, generating $2,772/mo in rent and $854/mo in net income after the $1,300/mo debt service. DSCR 2.13, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,250 stacks alongside $79,845 in projected five-year appreciation and $2,662/yr in principal reduction. Projected total cumulative return: $165,088.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.0% |
| Monthly Cash Flow | $854 | $250 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,772 |
| Total Monthly Debt Service | $1,803 |
| DSCR Ratio | 1.54x |
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 1959
6,490 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34769, Saint Cloud, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,954 (100%) |
| Owner Occupied HU | 7,327 (61.3%) |
| Renter Occupied HU | 3,662 (30.6%) |
| Vacant Housing Units | 965 ( 8.1%) |
| Median Home Value | $347,776 |
| Average Home Value | $378,644 |
Housing Distribution
Address Breakdown
Residential
11,579
Single Family
10,333
Multi-Family
1,246
Businesses
881
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 1959
6,490 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34769, Saint Cloud, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,954 (100%) |
| Owner Occupied HU | 7,327 (61.3%) |
| Renter Occupied HU | 3,662 (30.6%) |
| Vacant Housing Units | 965 ( 8.1%) |
| Median Home Value | $347,776 |
| Average Home Value | $378,644 |
Housing Distribution
Address Breakdown
Residential
11,579
Single Family
10,333
Multi-Family
1,246
Businesses
881
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices