537 Pin Oak LoopSanta Rosa BeachFL32459
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 537 Pin Oak Loop, Santa Rosa Beach, FL, 32459 in Santa Rosa Beach at $450,000 earns $3,244/mo in rent and nets $168/mo after the $2,023/mo payment, a 8.65% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $124,327 over five years. Ziffy Mortgage underwrites this on a 1.60 DSCR without U.S. credit history. With $4,145/yr in principal paydown, total projected return reaches $188,172.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 7.0% |
| Monthly Cash Flow | $168 | $1,500 |
City averages based on Santa Rosa Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,244 |
| Total Monthly Debt Service | $2,807 |
| DSCR Ratio | 1.16x |
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 2014
7,420 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32459, Santa Rosa Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,830 (100%) |
| Owner Occupied HU | 8,154 (39.1%) |
| Renter Occupied HU | 2,773 (13.3%) |
| Vacant Housing Units | 9,903 (47.5%) |
| Median Home Value | $762,452 |
| Average Home Value | $945,293 |
Housing Distribution
Address Breakdown
Residential
15,273
Single Family
12,773
Multi-Family
2,500
Businesses
1,346
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 2014
7,420 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32459, Santa Rosa Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,830 (100%) |
| Owner Occupied HU | 8,154 (39.1%) |
| Renter Occupied HU | 2,773 (13.3%) |
| Vacant Housing Units | 9,903 (47.5%) |
| Median Home Value | $762,452 |
| Average Home Value | $945,293 |
Housing Distribution
Address Breakdown
Residential
15,273
Single Family
12,773
Multi-Family
2,500
Businesses
1,346
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mandy Cooper • Scenic Sotheby's International Realty
Mls Name: ECAOR
Mls ID: #993784