738 95th AVE NNaplesFL34108
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 738 95th AVE N, Naples, FL, 34108 in Naples offers a clean, manageable entry. Rental yield 6.34%. DSCR 1.17 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $207,211 in additional property value over five years, with $6,908/yr in principal equity building ownership stake. Total projected cumulative return: $220,552.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.3% | 5.1% |
| Monthly Cash Flow | $(1,015) | $1,850 |
City averages based on Naples market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,962 |
| Total Monthly Debt Service | $4,679 |
| DSCR Ratio | 0.85x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1984
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34108, Naples, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,293 (100%) |
| Owner Occupied HU | 7,024 (49.1%) |
| Renter Occupied HU | 1,226 ( 8.6%) |
| Vacant Housing Units | 6,043 (42.3%) |
| Median Home Value | $1,232,225 |
| Average Home Value | $1,335,714 |
Housing Distribution
Address Breakdown
Residential
12,522
Single Family
8,046
Multi-Family
4,476
Businesses
1,125
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 1984
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34108, Naples, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,293 (100%) |
| Owner Occupied HU | 7,024 (49.1%) |
| Renter Occupied HU | 1,226 ( 8.6%) |
| Vacant Housing Units | 6,043 (42.3%) |
| Median Home Value | $1,232,225 |
| Average Home Value | $1,335,714 |
Housing Distribution
Address Breakdown
Residential
12,522
Single Family
8,046
Multi-Family
4,476
Businesses
1,125
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices