3208 Pinetree StPt CharlotteFL33952
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3208 Pinetree St, Pt Charlotte, FL, 33952 in Pt Charlotte at $109,990 earns $847/mo in rent and nets $45/mo after the $495/mo payment, a 9.24% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $30,388 over five years. Ziffy Mortgage underwrites this on a 1.71 DSCR without U.S. credit history. With $1,013/yr in principal paydown, total projected return reaches $45,142.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.2% |
| Monthly Cash Flow | $45 | $400 |
City averages based on Pt Charlotte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $847 |
| Total Monthly Debt Service | $758 |
| DSCR Ratio | 1.12x |
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 1959
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 1959
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: Melchire St. Ville • KARIZA CAPITAL REALTY, LLC
Mls Name: Stellar MLS
Mls Provider:
Mls ID: #V4944774
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