12109 Platano DrPunta GordaFL33955
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 12109 Platano Dr, Punta Gorda, FL, 33955 in Punta Gorda deserves attention. This $289,900 property earns $2,599/mo in rent, a 10.76% gross yield, and nets $675/mo after the $1,304/mo payment. DSCR 1.99 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $80,094 compounds alongside $2,670/yr in yearly equity build, for a total cumulative return of $153,960.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.2% |
| Monthly Cash Flow | $675 | $1,850 |
City averages based on Punta Gorda market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,599 |
| Total Monthly Debt Service | $1,808 |
| DSCR Ratio | 1.44x |
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 1997
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33955, Punta Gorda, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,948 (100%) |
| Owner Occupied HU | 6,118 (68.4%) |
| Renter Occupied HU | 441 ( 4.9%) |
| Vacant Housing Units | 2,389 (26.7%) |
| Median Home Value | $409,222 |
| Average Home Value | $418,137 |
Housing Distribution
Address Breakdown
Residential
7,384
Single Family
6,803
Multi-Family
581
Businesses
102
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 1997
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33955, Punta Gorda, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,948 (100%) |
| Owner Occupied HU | 6,118 (68.4%) |
| Renter Occupied HU | 441 ( 4.9%) |
| Vacant Housing Units | 2,389 (26.7%) |
| Median Home Value | $409,222 |
| Average Home Value | $418,137 |
Housing Distribution
Address Breakdown
Residential
7,384
Single Family
6,803
Multi-Family
581
Businesses
102
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christopher Madrigal • RE/MAX Palm Realty
Mls Name: Florida Gulf Coast MLS
Mls ID: #2025019722