1128 Sugartree Ln SLakelandFL33813
INVESTMENT ANALYSIS
Investment Verdict
Solid Income1128 Sugartree Ln S, Lakeland, FL, 33813 in Lakeland earns a respectable 8.24% gross yield at $765,000, but after the $3,440/mo mortgage the net cash flow is $145/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.53) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $211,355 over five years, making equity the dominant return driver. Total projected return: $301,042.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.0% |
| Monthly Cash Flow | $145 | $1,500 |
City averages based on Lakeland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,250 |
| Total Monthly Debt Service | $4,800 |
| DSCR Ratio | 1.09x |
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 1982
0.33 Acres lot
$N/A/sqft
$28 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33813, Lakeland, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,841 (100%) |
| Owner Occupied HU | 11,809 (79.6%) |
| Renter Occupied HU | 2,470 (16.6%) |
| Vacant Housing Units | 562 ( 3.8%) |
| Median Home Value | $391,026 |
| Average Home Value | $439,689 |
Housing Distribution
Address Breakdown
Residential
14,667
Single Family
12,943
Multi-Family
1,724
Businesses
881
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 1982
0.33 Acres lot
$N/A/sqft
$28 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33813, Lakeland, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,841 (100%) |
| Owner Occupied HU | 11,809 (79.6%) |
| Renter Occupied HU | 2,470 (16.6%) |
| Vacant Housing Units | 562 ( 3.8%) |
| Median Home Value | $391,026 |
| Average Home Value | $439,689 |
Housing Distribution
Address Breakdown
Residential
14,667
Single Family
12,943
Multi-Family
1,724
Businesses
881
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kelley Blackburn • COLDWELL BANKER REALTY
Mls Name: Stellar MLS
Mls Provider:
Mls ID: #L4952029
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