12261 Sailwinds Dr APT 103LargoFL33773
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Largo rental at 12261 Sailwinds Dr APT 103, Largo, FL, 33773 sits in the solid-income band: 9.63% gross yield, $1,525/mo rent, $264/mo net after the $854/mo debt service, DSCR 1.79. Entry price of $189,999 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $52,493 and $1,750/yr in principal reduction bring total cumulative return to $89,487.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 7.0% |
| Monthly Cash Flow | $264 | $1,500 |
City averages based on Largo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,525 |
| Total Monthly Debt Service | $1,185 |
| DSCR Ratio | 1.29x |
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.
Condo
Built in 1987
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33773, Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,744 (100%) |
| Owner Occupied HU | 6,907 (64.3%) |
| Renter Occupied HU | 2,418 (22.5%) |
| Vacant Housing Units | 1,419 (13.2%) |
| Median Home Value | $329,132 |
| Average Home Value | $366,413 |
Housing Distribution
Address Breakdown
Residential
8,556
Single Family
7,745
Multi-Family
811
Businesses
1,114
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
Condo
Built in 1987
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33773, Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,744 (100%) |
| Owner Occupied HU | 6,907 (64.3%) |
| Renter Occupied HU | 2,418 (22.5%) |
| Vacant Housing Units | 1,419 (13.2%) |
| Median Home Value | $329,132 |
| Average Home Value | $366,413 |
Housing Distribution
Address Breakdown
Residential
8,556
Single Family
7,745
Multi-Family
811
Businesses
1,114
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices