28307 Chelsea Garden WayPunta GordaFL33955
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 28307 Chelsea Garden Way, Punta Gorda, FL, 33955 in Punta Gorda delivers $2,729/mo in gross rent and $277/mo in net monthly income at a $369,499 entry. The 8.86% yield and 1.64 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $102,086 over five years and $3,403/yr in equity from loan paydown, total projected return is $158,714.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.2% |
| Monthly Cash Flow | $277 | $1,850 |
City averages based on Punta Gorda market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,729 |
| Total Monthly Debt Service | $2,305 |
| DSCR Ratio | 1.18x |
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33955, Punta Gorda, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,948 (100%) |
| Owner Occupied HU | 6,118 (68.4%) |
| Renter Occupied HU | 441 ( 4.9%) |
| Vacant Housing Units | 2,389 (26.7%) |
| Median Home Value | $409,222 |
| Average Home Value | $418,137 |
Housing Distribution
Address Breakdown
Residential
7,384
Single Family
6,803
Multi-Family
581
Businesses
102
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33955, Punta Gorda, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,948 (100%) |
| Owner Occupied HU | 6,118 (68.4%) |
| Renter Occupied HU | 441 ( 4.9%) |
| Vacant Housing Units | 2,389 (26.7%) |
| Median Home Value | $409,222 |
| Average Home Value | $418,137 |
Housing Distribution
Address Breakdown
Residential
7,384
Single Family
6,803
Multi-Family
581
Businesses
102
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Lennar
Mls Name: Lennar Homes
Mls Provider:
Mls ID: #N/A