20631 East Golden Elm Dr, Estero, FL 33928

Estero, FL 33928 · 3 bd · 2 ba · 1,434 sqft · Single Family · 154 days on market

The math, in full

Asking price: $349,999
Down payment (15%): $52,500
Loan amount: $297,499
Est. monthly rent: $3,995/mo; Range $3,396 to $4,594/mo
Monthly payment, all-in: $3,163/mo; Mortgage + taxes + insurance (PITIA)
Cashflow ratio (DSCR): 1.26; $3,995 rent ÷ $3,163 payment
Monthly cashflow: +$832/mo; What's left after the payment

Where the rent number comes from

Median asking rent for 3-bedroom homes in zip 33928, from current market comps, not a per-property guess. High confidence: plenty of comparable rentals in this zip.

Cash to start

$52,500

15% down on $349,999

Your local lender

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Screened against real lending criteria. This one fits 3 programs.
Qualifies on the property's rent, no W-2 or tax returns.
Listing data verified as of July 5, 2026.

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Rent, payment, and cashflow figures are estimates based on current market data and business-purpose investment-loan criteria, for non-owner-occupied property. Not a commitment to lend, not financial advice, and not an offer of any specific loan or property. Listing data may change; properties may sell. All terms confirmed by a loan officer and subject to underwriting and appraisal.