2395 Harbor Blvd APT 109Pt CharlotteFL33952
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 2395 Harbor Blvd APT 109, Pt Charlotte, FL, 33952 in Pt Charlotte at $130,000 earns $1,021/mo in rent and nets $158/mo after the $585/mo payment, a 9.42% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $35,917 over five years. Ziffy Mortgage underwrites this on a 1.75 DSCR without U.S. credit history. With $1,197/yr in principal paydown, total projected return reaches $59,741.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 5.2% |
| Monthly Cash Flow | $158 | $400 |
City averages based on Pt Charlotte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,021 |
| Total Monthly Debt Service | $811 |
| DSCR Ratio | 1.26x |
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.
Condo
Built in 1984
1,044 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
Condo
Built in 1984
1,044 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: Vicky Paradise • KW PEACE RIVER PARTNERS
Mls Name: Stellar MLS
Mls ID: #C7516751