3618 Cottage Club LNNaplesFL34105
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSteady, low-maintenance, and fundable: 3618 Cottage Club LN, Naples, FL, 34105 in Naples at $705,000. Rental yield 7.06%. The 7.06% yield and 1.31 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $194,779 by year five, and $6,493/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $234,732.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 5.1% |
| Monthly Cash Flow | $(679) | $1,850 |
City averages based on Naples market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,150 |
| Total Monthly Debt Service | $4,398 |
| DSCR Ratio | 0.94x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1988
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34105, Naples, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,342 (100%) |
| Owner Occupied HU | 5,833 (51.4%) |
| Renter Occupied HU | 2,385 (21.0%) |
| Vacant Housing Units | 3,124 (27.5%) |
| Median Home Value | $738,383 |
| Average Home Value | $989,025 |
Housing Distribution
Address Breakdown
Residential
10,874
Single Family
6,464
Multi-Family
4,410
Businesses
248
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 1988
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34105, Naples, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,342 (100%) |
| Owner Occupied HU | 5,833 (51.4%) |
| Renter Occupied HU | 2,385 (21.0%) |
| Vacant Housing Units | 3,124 (27.5%) |
| Median Home Value | $738,383 |
| Average Home Value | $989,025 |
Housing Distribution
Address Breakdown
Residential
10,874
Single Family
6,464
Multi-Family
4,410
Businesses
248
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices