Oak Plan, Port CharlottePort CharlotteFL33954
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeOak Plan, Port Charlotte, Port Charlotte, FL, 33954 in Port Charlotte is a solid income-producing rental, 8.76% gross yield, $2,336/mo rent, $213/mo net cash flow on a $319,900 buy. DSCR 1.62 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $88,382 and $2,946/yr in principal reduction project a total cumulative return of $135,671.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.0% |
| Monthly Cash Flow | $213 | $1,200 |
City averages based on Port Charlotte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,336 |
| Total Monthly Debt Service | $1,996 |
| DSCR Ratio | 1.17x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33954, Port Charlotte, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,574 (100%) |
| Owner Occupied HU | 4,200 (75.3%) |
| Renter Occupied HU | 875 (15.7%) |
| Vacant Housing Units | 499 ( 9.0%) |
| Median Home Value | $383,408 |
| Average Home Value | $525,471 |
Housing Distribution
Address Breakdown
Residential
5,609
Single Family
5,262
Multi-Family
347
Businesses
293
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33954, Port Charlotte, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,574 (100%) |
| Owner Occupied HU | 4,200 (75.3%) |
| Renter Occupied HU | 875 (15.7%) |
| Vacant Housing Units | 499 ( 9.0%) |
| Median Home Value | $383,408 |
| Average Home Value | $525,471 |
Housing Distribution
Address Breakdown
Residential
5,609
Single Family
5,262
Multi-Family
347
Businesses
293
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Maronda Homes
Mls Name: Maronda Homes
Mls Provider:
Mls ID: #N/A