163 Swift StPort CharlotteFL33954
INVESTMENT ANALYSIS
Investment Verdict
Solid Income163 Swift St, Port Charlotte, FL, 33954 in Port Charlotte earns a respectable 8.7% gross yield at $248,500, but after the $1,117/mo mortgage the net cash flow is $171/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.82) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $68,656 over five years, making equity the dominant return driver. Total projected return: $119,233.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.0% |
| Monthly Cash Flow | $171 | $1,200 |
City averages based on Port Charlotte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,029 |
| Total Monthly Debt Service | $1,550 |
| DSCR Ratio | 1.31x |
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 2025
9,993 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33954, Port Charlotte, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,574 (100%) |
| Owner Occupied HU | 4,200 (75.3%) |
| Renter Occupied HU | 875 (15.7%) |
| Vacant Housing Units | 499 ( 9.0%) |
| Median Home Value | $383,408 |
| Average Home Value | $525,471 |
Housing Distribution
Address Breakdown
Residential
5,609
Single Family
5,262
Multi-Family
347
Businesses
293
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 2025
9,993 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33954, Port Charlotte, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,574 (100%) |
| Owner Occupied HU | 4,200 (75.3%) |
| Renter Occupied HU | 875 (15.7%) |
| Vacant Housing Units | 499 ( 9.0%) |
| Median Home Value | $383,408 |
| Average Home Value | $525,471 |
Housing Distribution
Address Breakdown
Residential
5,609
Single Family
5,262
Multi-Family
347
Businesses
293
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Greg Sullivan • BY OWNER.COM
Mls Name: Stellar MLS
Mls Provider:
Mls ID: #TB8401804
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Some IDX listings have been excluded from this website. Listing Information presented by local MLS brokerage: Zillow, Inc - (407) 904-3511