45 Phoenix StSanta Rosa BeachFL32459
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 45 Phoenix St, Santa Rosa Beach, FL, 32459 in Santa Rosa Beach speaks for itself: 11.31% gross on a $376,729 price, generating $3,552/mo in rent and $977/mo in net income after the $1,694/mo debt service. DSCR 2.10, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,720 stacks alongside $104,083 in projected five-year appreciation and $3,470/yr in principal reduction. Projected total cumulative return: $206,772.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 7.0% |
| Monthly Cash Flow | $977 | $1,500 |
City averages based on Santa Rosa Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,552 |
| Total Monthly Debt Service | $2,425 |
| DSCR Ratio | 1.46x |
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.
Townhouse
Built in 2024
2,000 sqft lot
$N/A/sqft
$226 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32459, Santa Rosa Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,830 (100%) |
| Owner Occupied HU | 8,154 (39.1%) |
| Renter Occupied HU | 2,773 (13.3%) |
| Vacant Housing Units | 9,903 (47.5%) |
| Median Home Value | $762,452 |
| Average Home Value | $945,293 |
Housing Distribution
Address Breakdown
Residential
15,273
Single Family
12,773
Multi-Family
2,500
Businesses
1,346
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
Townhouse
Built in 2024
2,000 sqft lot
$N/A/sqft
$226 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32459, Santa Rosa Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,830 (100%) |
| Owner Occupied HU | 8,154 (39.1%) |
| Renter Occupied HU | 2,773 (13.3%) |
| Vacant Housing Units | 9,903 (47.5%) |
| Median Home Value | $762,452 |
| Average Home Value | $945,293 |
Housing Distribution
Address Breakdown
Residential
15,273
Single Family
12,773
Multi-Family
2,500
Businesses
1,346
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices