1891 21st ST SWNaplesFL34117
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1891 21st ST SW, Naples, FL, 34117 in Naples is narrow, $132/mo net on $3,384/mo rent after the $2,203/mo debt service, but the property operates at break-even-plus, not a loss. At $490,000 with a 8.29% yield, the long-run equity case via 5% appreciation ($135,378 over five years) and $4,513/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.54 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $195,295.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.1% |
| Monthly Cash Flow | $132 | $1,850 |
City averages based on Naples market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,384 |
| Total Monthly Debt Service | $3,057 |
| DSCR Ratio | 1.11x |
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 1994
1.59 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34117, Naples, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,209 (100%) |
| Owner Occupied HU | 5,425 (87.4%) |
| Renter Occupied HU | 581 ( 9.4%) |
| Vacant Housing Units | 203 ( 3.3%) |
| Median Home Value | $521,901 |
| Average Home Value | $618,596 |
Housing Distribution
Address Breakdown
Residential
5,991
Single Family
5,991
Multi-Family
0
Businesses
96
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 1994
1.59 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34117, Naples, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,209 (100%) |
| Owner Occupied HU | 5,425 (87.4%) |
| Renter Occupied HU | 581 ( 9.4%) |
| Vacant Housing Units | 203 ( 3.3%) |
| Median Home Value | $521,901 |
| Average Home Value | $618,596 |
Housing Distribution
Address Breakdown
Residential
5,991
Single Family
5,991
Multi-Family
0
Businesses
96
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Claire Gogan • EXP Realty LLC
Mls Name: SWFLMLS
Mls Provider:
Mls ID: #225042235
Disclaimer: The source of this real property information is the copyrighted and proprietary database compilation of the Southwest Florida MLS. Copyright 2025 Southwest Florida MLS. All rights reserved. The accuracy of this information is not warranted or guaranteed. This information should be independently verified if any person intends to engage in a transaction in reliance upon it.