1305 4th St #401BSarasotaFL34236
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.1% gross rental yield, 1305 4th St #401B, Sarasota, FL, 34236 in Sarasota is priced for capital growth, not immediate cash flow. The $1,659,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $458,351 by year five, with $15,280/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.57) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $199,388.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 5.2% |
| Monthly Cash Flow | $(7,595) | $300 |
City averages based on Sarasota market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,282 |
| Total Monthly Debt Service | $10,349 |
| DSCR Ratio | 0.41x |
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
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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