4442 Sagefield DrSaint CloudFL34773
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 4442 Sagefield Dr, Saint Cloud, FL, 34773 in Saint Cloud. At $429,400 it earns $3,080/mo in rent and distributes $231/mo to the owner after the $1,931/mo payment, a consistent 8.61% yield. DSCR 1.60 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $118,635 in value; $3,955/yr in principal paydown compounds ownership stake. Total projected return: $178,516.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.0% |
| Monthly Cash Flow | $231 | $250 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,080 |
| Total Monthly Debt Service | $2,679 |
| DSCR Ratio | 1.15x |
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 2025
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34773, Saint Cloud, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,191 (100%) |
| Owner Occupied HU | 2,584 (81.0%) |
| Renter Occupied HU | 342 (10.7%) |
| Vacant Housing Units | 265 ( 8.3%) |
| Median Home Value | $415,173 |
| Average Home Value | $531,787 |
Housing Distribution
Address Breakdown
Residential
2,938
Single Family
2,938
Multi-Family
0
Businesses
36
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 2025
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34773, Saint Cloud, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,191 (100%) |
| Owner Occupied HU | 2,584 (81.0%) |
| Renter Occupied HU | 342 (10.7%) |
| Vacant Housing Units | 265 ( 8.3%) |
| Median Home Value | $415,173 |
| Average Home Value | $531,787 |
Housing Distribution
Address Breakdown
Residential
2,938
Single Family
2,938
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jannette Rodriguez • ADAMS HOMES REALTY, INC
Mls Name: Stellar MLS
Mls ID: #O6333827