10706 N Central AveTampaFL33612
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 10706 N Central Ave, Tampa, FL, 33612 in Tampa is narrow, $162/mo net on $1,284/mo rent after the $760/mo debt service, but the property operates at break-even-plus, not a loss. At $169,000 with a 9.12% yield, the long-run equity case via 5% appreciation ($46,692 over five years) and $1,557/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.69 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $74,875.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 3.0% |
| Monthly Cash Flow | $162 | $350 |
City averages based on Tampa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,284 |
| Total Monthly Debt Service | $1,054 |
| DSCR Ratio | 1.22x |
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 1961
7,210 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33612, Tampa, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,160 (100%) |
| Owner Occupied HU | 7,168 (33.9%) |
| Renter Occupied HU | 11,906 (56.3%) |
| Vacant Housing Units | 2,086 ( 9.9%) |
| Median Home Value | $312,733 |
| Average Home Value | $367,372 |
Housing Distribution
Address Breakdown
Residential
18,648
Single Family
13,826
Multi-Family
4,822
Businesses
1,673
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 1961
7,210 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33612, Tampa, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,160 (100%) |
| Owner Occupied HU | 7,168 (33.9%) |
| Renter Occupied HU | 11,906 (56.3%) |
| Vacant Housing Units | 2,086 ( 9.9%) |
| Median Home Value | $312,733 |
| Average Home Value | $367,372 |
Housing Distribution
Address Breakdown
Residential
18,648
Single Family
13,826
Multi-Family
4,822
Businesses
1,673
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices