20292 Black Tree LnEsteroFL33928
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Estero rentals match the income profile of 20292 Black Tree Ln, Estero, FL, 33928. Listed at $592,500, gross rent is $6,437/mo and net cash flow is $2,233/mo, a 13.04% yield well above national averages. DSCR 2.42 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $163,697 by year five with $5,457/yr in annual principal reduction, projecting $370,758 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13% | 6.0% |
| Monthly Cash Flow | $2,233 | $1,500 |
City averages based on Estero market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,437 |
| Total Monthly Debt Service | $3,968 |
| DSCR Ratio | 1.62x |
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 2013
7,753 sqft lot
$N/A/sqft
$2,728 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33928, Estero, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,934 (100%) |
| Owner Occupied HU | 14,388 (60.1%) |
| Renter Occupied HU | 2,975 (12.4%) |
| Vacant Housing Units | 6,571 (27.5%) |
| Median Home Value | $532,870 |
| Average Home Value | $596,176 |
Housing Distribution
Address Breakdown
Residential
20,339
Single Family
15,619
Multi-Family
4,720
Businesses
780
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 2013
7,753 sqft lot
$N/A/sqft
$2,728 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33928, Estero, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,934 (100%) |
| Owner Occupied HU | 14,388 (60.1%) |
| Renter Occupied HU | 2,975 (12.4%) |
| Vacant Housing Units | 6,571 (27.5%) |
| Median Home Value | $532,870 |
| Average Home Value | $596,176 |
Housing Distribution
Address Breakdown
Residential
20,339
Single Family
15,619
Multi-Family
4,720
Businesses
780
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices