1305 4th St #202PSarasotaFL34236
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 1305 4th St #202P, Sarasota, FL, 34236 in Sarasota fits: $1,995,000, 3.85% gross yield, and a projected 5% annual appreciation rate adding $551,182 in value within five years. Rental yield 3.85%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.71) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $18,374/yr in principal paydown and $551,182 in appreciation project a total return of $320,306.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 5.2% |
| Monthly Cash Flow | $(7,775) | $300 |
City averages based on Sarasota market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,401 |
| Total Monthly Debt Service | $12,445 |
| DSCR Ratio | 0.51x |
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.
Condo
Built in 2026
0.99 Acres lot
$N/A/sqft
No HOA
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
Condo
Built in 2026
0.99 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices