Queen Plan, South Gulf CovePort CharlotteFL33981
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, Queen Plan, South Gulf Cove, Port Charlotte, FL, 33981 in Port Charlotte earns a 9.44% gross yield at $323,400. Rent of $2,545/mo nets $399/mo after the $1,454/mo mortgage. The 1.75 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $89,349 and $2,979/yr in equity accumulation project a total cumulative return of $148,940.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.0% |
| Monthly Cash Flow | $399 | $1,200 |
City averages based on Port Charlotte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,545 |
| Total Monthly Debt Service | $2,017 |
| 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.
Single Family
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33981, Port Charlotte, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,365 (100%) |
| Owner Occupied HU | 6,914 (73.8%) |
| Renter Occupied HU | 644 ( 6.9%) |
| Vacant Housing Units | 1,807 (19.3%) |
| Median Home Value | $475,000 |
| Average Home Value | $544,816 |
Housing Distribution
Address Breakdown
Residential
8,790
Single Family
8,789
Multi-Family
1
Businesses
112
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: 33981, Port Charlotte, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,365 (100%) |
| Owner Occupied HU | 6,914 (73.8%) |
| Renter Occupied HU | 644 ( 6.9%) |
| Vacant Housing Units | 1,807 (19.3%) |
| Median Home Value | $475,000 |
| Average Home Value | $544,816 |
Housing Distribution
Address Breakdown
Residential
8,790
Single Family
8,789
Multi-Family
1
Businesses
112
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Holiday Builders
Mls Name: Holiday Builders
Mls ID: #N/A