5088 SE Mariner Garden CirStuartFL34997
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 5088 SE Mariner Garden Cir, Stuart, FL, 34997 in Stuart speaks for itself: 14.32% gross on a $254,000 price, generating $1,708/mo in rent and $797/mo in net income after the $1,142/mo debt service. DSCR 1.50, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,562 stacks alongside $70,176 in projected five-year appreciation and $2,339/yr in principal reduction. Projected total cumulative return: $65,347.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.3% | 6.0% |
| Monthly Cash Flow | $797 | $350 |
City averages based on Stuart market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,708 |
| Total Monthly Debt Service | $2,133 |
| DSCR Ratio | 0.80x |
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.
Townhouse
Built in 2006
10.52 Acres lot
$N/A/sqft
$447 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
Townhouse
Built in 2006
10.52 Acres lot
$N/A/sqft
$447 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: Lillian Keck • Illustrated Properties LLC
Mls Name: Martin County REALTORS of the Treasure Coast (MCRTC)
Mls Provider:
Mls ID: #M20044738
Disclaimer: All listings featuring the MCRTC logo are provided by Martin County REALTORS of the Treasure Coast, Inc. Multiple Listing Service. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright 2025 Martin County REALTORS of the Treasure Coast, 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.