4892 Gulfgate LnSaint James CityFL33956
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 4892 Gulfgate Ln, Saint James City, FL, 33956 in Saint James City is a conservative rental investment at $425,000. Rental yield 7.65%. A 1.42 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $117,420; $3,914/yr in principal paydown supplements. Total projected return: $154,751.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 7.0% |
| Monthly Cash Flow | $(272) | $250 |
City averages based on Saint James City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,708 |
| Total Monthly Debt Service | $2,651 |
| DSCR Ratio | 1.02x |
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.
Manufactured
Built in 2005
6,229 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33956, Saint James City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,514 (100%) |
| Owner Occupied HU | 1,959 (55.7%) |
| Renter Occupied HU | 184 ( 5.2%) |
| Vacant Housing Units | 1,371 (39.0%) |
| Median Home Value | $481,848 |
| Average Home Value | $575,255 |
Housing Distribution
Address Breakdown
Residential
2,911
Single Family
2,911
Multi-Family
0
Businesses
135
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
Manufactured
Built in 2005
6,229 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33956, Saint James City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,514 (100%) |
| Owner Occupied HU | 1,959 (55.7%) |
| Renter Occupied HU | 184 ( 5.2%) |
| Vacant Housing Units | 1,371 (39.0%) |
| Median Home Value | $481,848 |
| Average Home Value | $575,255 |
Housing Distribution
Address Breakdown
Residential
2,911
Single Family
2,911
Multi-Family
0
Businesses
135
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Florida Gulf Coast MLS
Mls ID: #2026012753