3282 Sunset Key Cir #101Punta GordaFL33955
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 3282 Sunset Key Cir #101, Punta Gorda, FL, 33955 in Punta Gorda hard to pass up. The 22.12% gross yield on a $360,000 purchase results in $6,637/mo in rent and $2,929/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (4.10). Annual cash flow of $35,143, five-year appreciation of $99,461, and $3,316/yr in equity build-up combine for a projected total cumulative return of $331,407.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 22.1% | 6.2% |
| Monthly Cash Flow | $2,929 | $1,850 |
City averages based on Punta Gorda market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,637 |
| Total Monthly Debt Service | $3,565 |
| DSCR Ratio | 1.86x |
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 1997
N/A lot
$N/A/sqft
$1,226 monthly 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
Condo
Built in 1997
N/A lot
$N/A/sqft
$1,226 monthly 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