5599 Fiona LnSaint CloudFL34771
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 5599 Fiona Ln, Saint Cloud, FL, 34771 in Saint Cloud, $487,990, 8.13% gross yield, $69/mo net income. Consider it a market-entry position, the $3,307/mo rent covers the $2,194/mo payment with a margin, and 5%/yr appreciation is projected to add $134,823 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.51) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $190,483.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $69 | $250 |
City averages based on Saint Cloud market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,307 |
| Total Monthly Debt Service | $3,044 |
| DSCR Ratio | 1.09x |
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 2025
4,791 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 2025
4,791 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: Ben Goldstein • LENNAR REALTY
Mls Name: Stellar MLS
Mls ID: #O6355506