3126 Harbor Blvd APT 1APort CharlotteFL33952
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3126 Harbor Blvd APT 1A, Port Charlotte, FL, 33952 in Port Charlotte is narrow, $112/mo net on $975/mo rent after the $585/mo debt service, but the property operates at break-even-plus, not a loss. At $130,000 with a 9% yield, the long-run equity case via 5% appreciation ($35,917 over five years) and $1,197/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.67 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $56,765.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.0% |
| Monthly Cash Flow | $112 | $1,200 |
City averages based on Port Charlotte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $975 |
| Total Monthly Debt Service | $811 |
| DSCR Ratio | 1.20x |
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 1968
N/A 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 1968
N/A 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: Grecia Lohn • The Keyes Company
Mls Name: MIAMI
Mls ID: #A11827184