461 Border StPort CharlotteFL33953
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 461 Border St, Port Charlotte, FL, 33953 in Port Charlotte at $319,990 earns $2,140/mo in rent and nets $16/mo after the $1,439/mo payment, a 8.02% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $88,407 over five years. Ziffy Mortgage underwrites this on a 1.49 DSCR without U.S. credit history. With $2,947/yr in principal paydown, total projected return reaches $123,028.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $16 | $1,200 |
City averages based on Port Charlotte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,140 |
| Total Monthly Debt Service | $1,996 |
| DSCR Ratio | 1.07x |
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 2025
10,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33953, Port Charlotte, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,112 (100%) |
| Owner Occupied HU | 4,178 (68.4%) |
| Renter Occupied HU | 524 ( 8.6%) |
| Vacant Housing Units | 1,410 (23.1%) |
| Median Home Value | $430,250 |
| Average Home Value | $458,014 |
Housing Distribution
Address Breakdown
Residential
4,870
Single Family
4,605
Multi-Family
265
Businesses
372
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 2025
10,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33953, Port Charlotte, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,112 (100%) |
| Owner Occupied HU | 4,178 (68.4%) |
| Renter Occupied HU | 524 ( 8.6%) |
| Vacant Housing Units | 1,410 (23.1%) |
| Median Home Value | $430,250 |
| Average Home Value | $458,014 |
Housing Distribution
Address Breakdown
Residential
4,870
Single Family
4,605
Multi-Family
265
Businesses
372
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Elisabeth Densley • CHRISTOPHER ALAN REALTY, LLC
Mls Name: Stellar MLS
Mls ID: #A4666798