64 Stonegate DrSanta Rosa BeachFL32459
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 64 Stonegate Dr, Santa Rosa Beach, FL, 32459 in Santa Rosa Beach is narrow, $41/mo net on $4,154/mo rent after the $2,787/mo debt service, but the property operates at break-even-plus, not a loss. At $619,900 with a 8.04% yield, the long-run equity case via 5% appreciation ($171,267 over five years) and $5,709/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.49 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $238,911.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 7.0% |
| Monthly Cash Flow | $41 | $1,500 |
City averages based on Santa Rosa Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,154 |
| Total Monthly Debt Service | $3,867 |
| DSCR Ratio | 1.07x |
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 2020
6,969 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 2020
6,969 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: N/A • N/A
Mls Name: CPAR
Mls ID: #784769