20284 Emerald AvePort CharlotteFL33952
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSteady, low-maintenance, and fundable: 20284 Emerald Ave, Port Charlotte, FL, 33952 in Port Charlotte at $294,990. Rental yield 7.79%. The 7.79% yield and 1.44 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $81,500 by year five, and $2,717/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $109,755.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $(42) | $1,200 |
City averages based on Port Charlotte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,915 |
| Total Monthly Debt Service | $1,840 |
| DSCR Ratio | 1.04x |
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 2026
9,999 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33952, Port Charlotte, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,784 (100%) |
| Owner Occupied HU | 10,981 (65.4%) |
| Renter Occupied HU | 3,447 (20.5%) |
| Vacant Housing Units | 2,356 (14.0%) |
| Median Home Value | $300,977 |
| Average Home Value | $393,134 |
Housing Distribution
Address Breakdown
Residential
15,323
Single Family
14,224
Multi-Family
1,099
Businesses
719
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 2026
9,999 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33952, Port Charlotte, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,784 (100%) |
| Owner Occupied HU | 10,981 (65.4%) |
| Renter Occupied HU | 3,447 (20.5%) |
| Vacant Housing Units | 2,356 (14.0%) |
| Median Home Value | $300,977 |
| Average Home Value | $393,134 |
Housing Distribution
Address Breakdown
Residential
15,323
Single Family
14,224
Multi-Family
1,099
Businesses
719
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christine Morimanno • COASTON REALTY LLC
Mls Name: Stellar MLS
Mls ID: #A4679969