5012 SW Winchester DriveStuartFL34997
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 5012 SW Winchester Drive, Stuart, FL, 34997 in Stuart offers a clean, manageable entry. Rental yield 6.54%. DSCR 1.21 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $310,817 in additional property value over five years, with $10,361/yr in principal equity building ownership stake. Total projected cumulative return: $322,789.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 6.0% |
| Monthly Cash Flow | $(1,670) | $350 |
City averages based on Stuart market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,136 |
| Total Monthly Debt Service | $7,358 |
| DSCR Ratio | 0.83x |
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
10,474 sqft lot
$N/A/sqft
$340 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34997, Stuart, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,986 (100%) |
| Owner Occupied HU | 15,372 (69.9%) |
| Renter Occupied HU | 4,135 (18.8%) |
| Vacant Housing Units | 2,479 (11.3%) |
| Median Home Value | $444,402 |
| Average Home Value | $523,797 |
Housing Distribution
Address Breakdown
Residential
21,562
Single Family
19,886
Multi-Family
1,676
Businesses
1,479
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
10,474 sqft lot
$N/A/sqft
$340 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34997, Stuart, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,986 (100%) |
| Owner Occupied HU | 15,372 (69.9%) |
| Renter Occupied HU | 4,135 (18.8%) |
| Vacant Housing Units | 2,479 (11.3%) |
| Median Home Value | $444,402 |
| Average Home Value | $523,797 |
Housing Distribution
Address Breakdown
Residential
21,562
Single Family
19,886
Multi-Family
1,676
Businesses
1,479
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tonya L McDonald • The Agency Florida LLC
Mls Name: BeachesMLS
Mls Provider:
Mls ID: #RX-11025539
Disclaimer: All listings featuring the BMLS logo are provided by Beaches MLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright 2025 Beaches Multiple Listing Service, Inc. Information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.