14981 Reflection Key CIR #322Fort MyersFL33907
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 14981 Reflection Key CIR #322, Fort Myers, FL, 33907 in Fort Myers is narrow, $159/mo net on $2,100/mo rent after the $1,315/mo debt service, but the property operates at break-even-plus, not a loss. At $292,500 with a 8.62% yield, the long-run equity case via 5% appreciation ($80,812 over five years) and $2,694/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.60 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $121,753.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.8% |
| Monthly Cash Flow | $159 | $1,850 |
City averages based on Fort Myers market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,100 |
| Total Monthly Debt Service | $1,825 |
| DSCR Ratio | 1.15x |
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 2007
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33907, Fort Myers, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,782 (100%) |
| Owner Occupied HU | 5,453 (36.9%) |
| Renter Occupied HU | 6,621 (44.8%) |
| Vacant Housing Units | 2,708 (18.3%) |
| Median Home Value | $332,665 |
| Average Home Value | $451,312 |
Housing Distribution
Address Breakdown
Residential
12,950
Single Family
7,064
Multi-Family
5,886
Businesses
1,794
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 2007
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33907, Fort Myers, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,782 (100%) |
| Owner Occupied HU | 5,453 (36.9%) |
| Renter Occupied HU | 6,621 (44.8%) |
| Vacant Housing Units | 2,708 (18.3%) |
| Median Home Value | $332,665 |
| Average Home Value | $451,312 |
Housing Distribution
Address Breakdown
Residential
12,950
Single Family
7,064
Multi-Family
5,886
Businesses
1,794
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Dowdy, PA • Compass Florida LLC
Mls Name: SWFLMLS
Mls ID: #225075437