4610 Saint Croix Ln APT 1036NaplesFL34109
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 4610 Saint Croix Ln APT 1036, Naples, FL, 34109 in Naples: $1,895/mo in rent, $456/mo in net income, 10.49% gross yield, 1.94 DSCR, all at $216,800. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $59,898 in appreciation and $1,997/yr in principal paydown projects total cumulative return of $112,015.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 5.1% |
| Monthly Cash Flow | $456 | $1,850 |
City averages based on Naples market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,895 |
| Total Monthly Debt Service | $1,352 |
| DSCR Ratio | 1.40x |
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 1999
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34109, Naples, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,140 (100%) |
| Owner Occupied HU | 8,409 (52.1%) |
| Renter Occupied HU | 4,427 (27.4%) |
| Vacant Housing Units | 3,304 (20.5%) |
| Median Home Value | $691,504 |
| Average Home Value | $857,298 |
Housing Distribution
Address Breakdown
Residential
15,573
Single Family
8,331
Multi-Family
7,242
Businesses
1,631
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 1999
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34109, Naples, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,140 (100%) |
| Owner Occupied HU | 8,409 (52.1%) |
| Renter Occupied HU | 4,427 (27.4%) |
| Vacant Housing Units | 3,304 (20.5%) |
| Median Home Value | $691,504 |
| Average Home Value | $857,298 |
Housing Distribution
Address Breakdown
Residential
15,573
Single Family
8,331
Multi-Family
7,242
Businesses
1,631
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices