657 SE Ranch Oak CirPort Saint LucieFL34984
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 657 SE Ranch Oak Cir, Port Saint Lucie, FL, 34984 in Port Saint Lucie offers a clean, manageable entry. Rental yield 7.65%. DSCR 1.42 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $137,472 in additional property value over five years, with $4,583/yr in principal equity building ownership stake. Total projected cumulative return: $167,952.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.2% |
| Monthly Cash Flow | $(353) | $1,250 |
City averages based on Port Saint Lucie market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,172 |
| Total Monthly Debt Service | $3,327 |
| DSCR Ratio | 0.95x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2026
6,240 sqft lot
$N/A/sqft
$223 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34984, Port Saint Lucie, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,072 (100%) |
| Owner Occupied HU | 6,512 (80.7%) |
| Renter Occupied HU | 1,083 (13.4%) |
| Vacant Housing Units | 477 ( 5.9%) |
| Median Home Value | $430,184 |
| Average Home Value | $492,634 |
Housing Distribution
Address Breakdown
Residential
7,404
Single Family
7,029
Multi-Family
375
Businesses
413
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 2026
6,240 sqft lot
$N/A/sqft
$223 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34984, Port Saint Lucie, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,072 (100%) |
| Owner Occupied HU | 6,512 (80.7%) |
| Renter Occupied HU | 1,083 (13.4%) |
| Vacant Housing Units | 477 ( 5.9%) |
| Median Home Value | $430,184 |
| Average Home Value | $492,634 |
Housing Distribution
Address Breakdown
Residential
7,404
Single Family
7,029
Multi-Family
375
Businesses
413
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michelle Campbell • Taylor Morrison Realty of FL
Mls Name: MIAMI
Mls Provider:
Mls ID: #A12008402
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.