557 Rough Leaf LnMary EstherFL32569
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 557 Rough Leaf Ln, Mary Esther, FL, 32569 in Mary Esther at $310,000 earns $2,133/mo in rent and nets $76/mo after the $1,394/mo payment, a 8.26% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $85,647 over five years. Ziffy Mortgage underwrites this on a 1.53 DSCR without U.S. credit history. With $2,855/yr in principal paydown, total projected return reaches $123,084.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $76 | $200 |
City averages based on Mary Esther market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,133 |
| Total Monthly Debt Service | $1,934 |
| DSCR Ratio | 1.10x |
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 2001
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32569, Mary Esther, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,848 (100%) |
| Owner Occupied HU | 3,490 (59.7%) |
| Renter Occupied HU | 1,893 (32.4%) |
| Vacant Housing Units | 465 ( 8.0%) |
| Median Home Value | $383,658 |
| Average Home Value | $456,649 |
Housing Distribution
Address Breakdown
Residential
5,536
Single Family
5,418
Multi-Family
118
Businesses
544
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 2001
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32569, Mary Esther, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,848 (100%) |
| Owner Occupied HU | 3,490 (59.7%) |
| Renter Occupied HU | 1,893 (32.4%) |
| Vacant Housing Units | 465 ( 8.0%) |
| Median Home Value | $383,658 |
| Average Home Value | $456,649 |
Housing Distribution
Address Breakdown
Residential
5,536
Single Family
5,418
Multi-Family
118
Businesses
544
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ella T Payne • Realty ONE Group Emerald Coast
Mls Name: ECAOR
Mls ID: #980138