3664 Gasparilla StSaint James CityFL33956
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow3664 Gasparilla St, Saint James City, FL, 33956 in Saint James City is a top-tier cash-flow asset. At $299,900 it produces $3,094/mo in rent and $1,103/mo in net monthly income, a 12.38% gross rental yield. The DSCR of 2.29 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $13,241. Five-year appreciation adds $82,857, driving a total cumulative return of $185,299.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.4% | 7.0% |
| Monthly Cash Flow | $1,103 | $250 |
City averages based on Saint James City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,094 |
| Total Monthly Debt Service | $1,871 |
| DSCR Ratio | 1.65x |
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 1981
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33956, Saint James City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,514 (100%) |
| Owner Occupied HU | 1,959 (55.7%) |
| Renter Occupied HU | 184 ( 5.2%) |
| Vacant Housing Units | 1,371 (39.0%) |
| Median Home Value | $481,848 |
| Average Home Value | $575,255 |
Housing Distribution
Address Breakdown
Residential
2,911
Single Family
2,911
Multi-Family
0
Businesses
135
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 1981
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33956, Saint James City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,514 (100%) |
| Owner Occupied HU | 1,959 (55.7%) |
| Renter Occupied HU | 184 ( 5.2%) |
| Vacant Housing Units | 1,371 (39.0%) |
| Median Home Value | $481,848 |
| Average Home Value | $575,255 |
Housing Distribution
Address Breakdown
Residential
2,911
Single Family
2,911
Multi-Family
0
Businesses
135
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices