4418 Lago Vista DrSebastianFL32976
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.24% gross rental yield, 4418 Lago Vista Dr, Sebastian, FL, 32976 in Sebastian is priced for capital growth, not immediate cash flow. The $545,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $150,573 by year five, with $5,020/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.79) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $92,948.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 6.2% |
| Monthly Cash Flow | $(1,790) | $300 |
City averages based on Sebastian market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,925 |
| Total Monthly Debt Service | $3,498 |
| DSCR Ratio | 0.55x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2022
0.27 Acres lot
$N/A/sqft
$294 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32976, Sebastian, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,871 (100%) |
| Owner Occupied HU | 5,046 (73.4%) |
| Renter Occupied HU | 605 ( 8.8%) |
| Vacant Housing Units | 1,220 (17.8%) |
| Median Home Value | $149,704 |
| Average Home Value | $220,074 |
Housing Distribution
Address Breakdown
Residential
6,657
Single Family
6,614
Multi-Family
43
Businesses
108
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 2022
0.27 Acres lot
$N/A/sqft
$294 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32976, Sebastian, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,871 (100%) |
| Owner Occupied HU | 5,046 (73.4%) |
| Renter Occupied HU | 605 ( 8.8%) |
| Vacant Housing Units | 1,220 (17.8%) |
| Median Home Value | $149,704 |
| Average Home Value | $220,074 |
Housing Distribution
Address Breakdown
Residential
6,657
Single Family
6,614
Multi-Family
43
Businesses
108
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lorraine DeMontigny • BHHS Florida Realty
Mls Name: Space Coast AOR
Mls ID: #1040279
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.