5333 Amersham LnSaint CloudFL34771
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 5333 Amersham Ln, Saint Cloud, FL, 34771 in Saint Cloud: $3,946/mo in rent, $395/mo in net income, 8.85% gross yield, 1.64 DSCR, all at $535,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $147,811 in appreciation and $4,927/yr in principal paydown projects total cumulative return of $229,380.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.0% |
| Monthly Cash Flow | $395 | $250 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,946 |
| Total Monthly Debt Service | $3,337 |
| DSCR Ratio | 1.18x |
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.
Single Family
Built in 2021
5,663 sqft 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 2021
5,663 sqft 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: Amanda Seebadan • KELLER WILLIAMS ADVANTAGE REALTY
Mls Name: Stellar MLS
Mls ID: #O6334236