157 Saint James WAYNaplesFL34104
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $619,000, 157 Saint James WAY, Naples, FL, 34104 in Naples generates $4,129/mo in rent (8% yield) but nets only $21/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.48) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $171,018. Total projected return: $237,307.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.1% |
| Monthly Cash Flow | $21 | $1,850 |
City averages based on Naples market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,129 |
| Total Monthly Debt Service | $3,862 |
| DSCR Ratio | 1.07x |
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 1992
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34104, Naples, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,029 (100%) |
| Owner Occupied HU | 8,178 (48.0%) |
| Renter Occupied HU | 4,488 (26.4%) |
| Vacant Housing Units | 4,363 (25.6%) |
| Median Home Value | $474,892 |
| Average Home Value | $562,833 |
Housing Distribution
Address Breakdown
Residential
15,059
Single Family
9,063
Multi-Family
5,996
Businesses
1,361
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 1992
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34104, Naples, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,029 (100%) |
| Owner Occupied HU | 8,178 (48.0%) |
| Renter Occupied HU | 4,488 (26.4%) |
| Vacant Housing Units | 4,363 (25.6%) |
| Median Home Value | $474,892 |
| Average Home Value | $562,833 |
Housing Distribution
Address Breakdown
Residential
15,059
Single Family
9,063
Multi-Family
5,996
Businesses
1,361
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices