4539 Pine Village Ct, Saint James City, FL 33956

Saint James City, FL 33956 · 3 bd · 2 ba · 1,469 sqft · Single Family · 47 days on market

The math, in full

Asking price: $397,999
Down payment (15%): $59,700
Loan amount: $338,299
Est. monthly rent: $4,150/mo; Range $3,528–$4,773/mo
Monthly payment, all-in: $3,299/mo; Mortgage + taxes + insurance (PITIA)
Cashflow ratio (DSCR): 1.26; $4,150 rent ÷ $3,299 payment
Monthly cashflow: +$851/mo; What's left after the payment

Where the rent number comes from

Median asking rent for 3-bedroom homes in zip 33956, from current market comps — not a per-property guess. Medium confidence — a moderate number of comparable rentals in this zip.

Cash to start

$59,700

15% down on $397,999

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 June 9, 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.