4631 S Atlantic Ave UNIT 8701Ponce InletFL32127
INVESTMENT ANALYSIS
Investment Verdict
Solid Income4631 S Atlantic Ave UNIT 8701, Ponce Inlet, FL, 32127 in Ponce Inlet carries a 1.56 coverage ratio, rent of $8,071/mo is 1.56 times the $5,171/mo payment. Rental yield 8.42%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $1,150,000 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $317,724; total projected cumulative return: $385,550.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.0% |
| Monthly Cash Flow | $(911) | $1,500 |
City averages based on Ponce Inlet market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,071 |
| Total Monthly Debt Service | $8,525 |
| DSCR Ratio | 0.95x |
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.
Condo
Built in 2000
2.48 Acres lot
$N/A/sqft
$1,351 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32127, Daytona Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,242 (100%) |
| Owner Occupied HU | 10,812 (66.6%) |
| Renter Occupied HU | 2,635 (16.2%) |
| Vacant Housing Units | 2,795 (17.2%) |
| Median Home Value | $378,337 |
| Average Home Value | $408,009 |
Housing Distribution
Address Breakdown
Residential
15,714
Single Family
11,907
Multi-Family
3,807
Businesses
874
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 2000
2.48 Acres lot
$N/A/sqft
$1,351 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32127, Daytona Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,242 (100%) |
| Owner Occupied HU | 10,812 (66.6%) |
| Renter Occupied HU | 2,635 (16.2%) |
| Vacant Housing Units | 2,795 (17.2%) |
| Median Home Value | $378,337 |
| Average Home Value | $408,009 |
Housing Distribution
Address Breakdown
Residential
15,714
Single Family
11,907
Multi-Family
3,807
Businesses
874
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices