148 Peckham St SEPt CharlotteFL33952
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 148 Peckham St SE, Pt Charlotte, FL, 33952 in Pt Charlotte worth study. Rental yield 4.45%. The 4.45% gross yield is below cash-flow benchmarks at $950,000, but 5% annual appreciation, adding $262,467 over five years, frames this as a capital growth position. Rent of $3,521/mo partially offsets the $4,272/mo payment. Ziffy Mortgage finances appreciation-play properties (0.82 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $182,967.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 5.2% |
| Monthly Cash Flow | $(2,784) | $400 |
City averages based on Pt Charlotte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,521 |
| Total Monthly Debt Service | $5,926 |
| DSCR Ratio | 0.59x |
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.
Single Family
Built in 1969
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33952, Port Charlotte, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,784 (100%) |
| Owner Occupied HU | 10,981 (65.4%) |
| Renter Occupied HU | 3,447 (20.5%) |
| Vacant Housing Units | 2,356 (14.0%) |
| Median Home Value | $300,977 |
| Average Home Value | $393,134 |
Housing Distribution
Address Breakdown
Residential
15,323
Single Family
14,224
Multi-Family
1,099
Businesses
719
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 1969
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33952, Port Charlotte, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,784 (100%) |
| Owner Occupied HU | 10,981 (65.4%) |
| Renter Occupied HU | 3,447 (20.5%) |
| Vacant Housing Units | 2,356 (14.0%) |
| Median Home Value | $300,977 |
| Average Home Value | $393,134 |
Housing Distribution
Address Breakdown
Residential
15,323
Single Family
14,224
Multi-Family
1,099
Businesses
719
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Yi Jiang • KW PEACE RIVER PARTNERS
Mls Name: Stellar MLS
Mls ID: #C7509293