645 La Peninsula Blvd #645NaplesFL34113
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.98% yield at 645 La Peninsula Blvd #645, Naples, FL, 34113 in Naples is solid, but the $3,818/mo payment compresses net cash flow to $13/mo at $849,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $234,563 by year five, and $7,819/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.48) without U.S. income documentation. Total projected return: $324,413.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.1% |
| Monthly Cash Flow | $13 | $1,850 |
City averages based on Naples market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,647 |
| Total Monthly Debt Service | $5,296 |
| 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.
Condo
Built in 1988
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34113, Naples, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,176 (100%) |
| Owner Occupied HU | 8,358 (46.0%) |
| Renter Occupied HU | 3,244 (17.8%) |
| Vacant Housing Units | 6,574 (36.2%) |
| Median Home Value | $613,166 |
| Average Home Value | $783,586 |
Housing Distribution
Address Breakdown
Residential
16,259
Single Family
10,189
Multi-Family
6,070
Businesses
365
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 1988
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34113, Naples, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,176 (100%) |
| Owner Occupied HU | 8,358 (46.0%) |
| Renter Occupied HU | 3,244 (17.8%) |
| Vacant Housing Units | 6,574 (36.2%) |
| Median Home Value | $613,166 |
| Average Home Value | $783,586 |
Housing Distribution
Address Breakdown
Residential
16,259
Single Family
10,189
Multi-Family
6,070
Businesses
365
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices