4440 Callaway StPt CharlotteFL33981
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4440 Callaway St, Pt Charlotte, FL, 33981 in Pt Charlotte at $249,900 earns $1,706/mo in rent and nets $48/mo after the $1,124/mo payment, a 8.19% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $69,043 over five years. Ziffy Mortgage underwrites this on a 1.52 DSCR without U.S. credit history. With $2,302/yr in principal paydown, total projected return reaches $98,309.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.2% |
| Monthly Cash Flow | $48 | $400 |
City averages based on Pt Charlotte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,706 |
| Total Monthly Debt Service | $1,559 |
| DSCR Ratio | 1.09x |
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 1999
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33981, Port Charlotte, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,365 (100%) |
| Owner Occupied HU | 6,914 (73.8%) |
| Renter Occupied HU | 644 ( 6.9%) |
| Vacant Housing Units | 1,807 (19.3%) |
| Median Home Value | $475,000 |
| Average Home Value | $544,816 |
Housing Distribution
Address Breakdown
Residential
8,790
Single Family
8,789
Multi-Family
1
Businesses
112
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 1999
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33981, Port Charlotte, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,365 (100%) |
| Owner Occupied HU | 6,914 (73.8%) |
| Renter Occupied HU | 644 ( 6.9%) |
| Vacant Housing Units | 1,807 (19.3%) |
| Median Home Value | $475,000 |
| Average Home Value | $544,816 |
Housing Distribution
Address Breakdown
Residential
8,790
Single Family
8,789
Multi-Family
1
Businesses
112
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carol Fernandez • Experience Real Estate Group
Mls Name: Florida Gulf Coast MLS
Mls ID: #2026003273