9640 Victoria LN #C308NaplesFL34109
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 9640 Victoria LN #C308, Naples, FL, 34109 in Naples speaks for itself: 11.51% gross on a $325,000 price, generating $3,116/mo in rent and $523/mo in net income after the $1,461/mo debt service. DSCR 2.13, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $6,276 stacks alongside $89,792 in projected five-year appreciation and $2,993/yr in principal reduction. Projected total cumulative return: $159,462.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 5.1% |
| Monthly Cash Flow | $523 | $1,850 |
City averages based on Naples market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,116 |
| Total Monthly Debt Service | $2,464 |
| DSCR Ratio | 1.26x |
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 1996
N/A lot
$N/A/sqft
$5,240 annually 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 1996
N/A lot
$N/A/sqft
$5,240 annually 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
Listed by: Tyler Manring • Compass Florida LLC
Mls Name: SWFLMLS
Mls Provider:
Mls ID: #225052593
Disclaimer: The source of this real property information is the copyrighted and proprietary database compilation of the Southwest Florida MLS. Copyright 2025 Southwest Florida MLS. All rights reserved. The accuracy of this information is not warranted or guaranteed. This information should be independently verified if any person intends to engage in a transaction in reliance upon it.