5224 Hammock Pointe CtSaint CloudFL34771
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 5224 Hammock Pointe Ct, Saint Cloud, FL, 34771 in Saint Cloud offers a clean, manageable entry. Rental yield 6.68%. DSCR 1.24 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $165,741 in additional property value over five years, with $5,525/yr in principal equity building ownership stake. Total projected cumulative return: $187,272.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 6.0% |
| Monthly Cash Flow | $(643) | $250 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,338 |
| Total Monthly Debt Service | $3,742 |
| DSCR Ratio | 0.89x |
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 1998
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34771, Saint Cloud, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,721 (100%) |
| Owner Occupied HU | 13,479 (85.7%) |
| Renter Occupied HU | 1,028 ( 6.5%) |
| Vacant Housing Units | 1,214 ( 7.7%) |
| Median Home Value | $458,820 |
| Average Home Value | $507,265 |
Housing Distribution
Address Breakdown
Residential
14,634
Single Family
13,406
Multi-Family
1,228
Businesses
315
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 1998
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34771, Saint Cloud, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,721 (100%) |
| Owner Occupied HU | 13,479 (85.7%) |
| Renter Occupied HU | 1,028 ( 6.5%) |
| Vacant Housing Units | 1,214 ( 7.7%) |
| Median Home Value | $458,820 |
| Average Home Value | $507,265 |
Housing Distribution
Address Breakdown
Residential
14,634
Single Family
13,406
Multi-Family
1,228
Businesses
315
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ivan Tobon • OUTLET REALTY
Mls Name: Stellar MLS
Mls ID: #O6332483