14964 White Pearl RdPunta GordaFL33982
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Punta Gorda rental at 14964 White Pearl Rd, Punta Gorda, FL, 33982 sits in the solid-income band: 9.94% gross yield, $4,500/mo rent, $313/mo net after the $2,443/mo debt service, DSCR 1.84. Entry price of $543,204 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $150,077 and $5,003/yr in principal reduction bring total cumulative return to $229,698.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.2% |
| Monthly Cash Flow | $313 | $1,850 |
City averages based on Punta Gorda market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,500 |
| Total Monthly Debt Service | $3,971 |
| DSCR Ratio | 1.13x |
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 2024
8,276 sqft lot
$N/A/sqft
$6,990 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33982, Punta Gorda, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,459 (100%) |
| Owner Occupied HU | 7,348 (70.3%) |
| Renter Occupied HU | 838 ( 8.0%) |
| Vacant Housing Units | 2,273 (21.7%) |
| Median Home Value | $373,056 |
| Average Home Value | $411,551 |
Housing Distribution
Address Breakdown
Residential
8,066
Single Family
6,889
Multi-Family
1,177
Businesses
312
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 2024
8,276 sqft lot
$N/A/sqft
$6,990 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33982, Punta Gorda, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,459 (100%) |
| Owner Occupied HU | 7,348 (70.3%) |
| Renter Occupied HU | 838 ( 8.0%) |
| Vacant Housing Units | 2,273 (21.7%) |
| Median Home Value | $373,056 |
| Average Home Value | $411,551 |
Housing Distribution
Address Breakdown
Residential
8,066
Single Family
6,889
Multi-Family
1,177
Businesses
312
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices