Sentosa Plan, Waterstone : Cottage CollectionGrovelandFL34736
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate Sentosa Plan, Waterstone: Cottage Collection, Groveland, FL, 34736 in Groveland. At $344,990 it earns $2,700/mo in rent and distributes $411/mo to the owner after the $1,551/mo payment, a consistent 9.39% yield. DSCR 1.74 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $95,314 in value; $3,177/yr in principal paydown compounds ownership stake. Total projected return: $157,974.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 7.0% |
| Monthly Cash Flow | $411 | $350 |
City averages based on Groveland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,700 |
| Total Monthly Debt Service | $2,152 |
| DSCR Ratio | 1.25x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34736, Groveland, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,513 (100%) |
| Owner Occupied HU | 10,130 (81.0%) |
| Renter Occupied HU | 1,480 (11.8%) |
| Vacant Housing Units | 903 ( 7.2%) |
| Median Home Value | $388,854 |
| Average Home Value | $424,666 |
Housing Distribution
Address Breakdown
Residential
10,737
Single Family
9,856
Multi-Family
881
Businesses
457
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34736, Groveland, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,513 (100%) |
| Owner Occupied HU | 10,130 (81.0%) |
| Renter Occupied HU | 1,480 (11.8%) |
| Vacant Housing Units | 903 ( 7.2%) |
| Median Home Value | $388,854 |
| Average Home Value | $424,666 |
Housing Distribution
Address Breakdown
Residential
10,737
Single Family
9,856
Multi-Family
881
Businesses
457
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
