742 Laurel Bay Cir, New Smyrna Beach, FL 32169

New Smyrna Beach, FL 32169 · 3 bd · 2.5 ba · 1,608 sqft · Townhouse · 158 days on market

The math, in full

Asking price: $435,000
Down payment (15%): $65,250
Loan amount: $369,750
Est. monthly rent: $4,975/mo; Range $4,229–$5,721/mo
Monthly payment, all-in: $3,714/mo; Mortgage + taxes + insurance (PITIA)
Cashflow ratio (DSCR): 1.34; $4,975 rent ÷ $3,714 payment
Monthly cashflow: +$1,261/mo; What's left after the payment

Where the rent number comes from

Median asking rent for 3-bedroom homes in zip 32169, from current market comps — not a per-property guess. High confidence — plenty of comparable rentals in this zip.

Cash to start

$65,250

15% down on $435,000

Your local lender

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No credit pull. No obligation. A loan officer confirms real terms within one business day.

Screened against real lending criteria — this one fits 3 programs.
Qualifies on the property's rent — no W-2 or tax returns.
Listing data verified as of June 9, 2026.

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Rent, payment, and cashflow figures are estimates based on current market data and business-purpose investment-loan criteria, for non-owner-occupied property. Not a commitment to lend, not financial advice, and not an offer of any specific loan or property. Listing data may change; properties may sell. All terms confirmed by a loan officer and subject to underwriting and appraisal.