13905 Abbey LnLargoFL33771
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 13905 Abbey Ln, Largo, FL, 33771 in Largo is narrow, $88/mo net on $1,561/mo rent after the $998/mo debt service, but the property operates at break-even-plus, not a loss. At $222,000 with a 8.44% yield, the long-run equity case via 5% appreciation ($61,335 over five years) and $2,045/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.56 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $90,311.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 7.0% |
| Monthly Cash Flow | $88 | $1,500 |
City averages based on Largo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,561 |
| Total Monthly Debt Service | $1,385 |
| DSCR Ratio | 1.13x |
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.
Townhouse
Built in 2004
1,080 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33771, Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,980 (100%) |
| Owner Occupied HU | 8,564 (50.4%) |
| Renter Occupied HU | 6,121 (36.0%) |
| Vacant Housing Units | 2,295 (13.5%) |
| Median Home Value | $248,409 |
| Average Home Value | $310,520 |
Housing Distribution
Address Breakdown
Residential
16,193
Single Family
10,905
Multi-Family
5,288
Businesses
1,329
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
Townhouse
Built in 2004
1,080 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33771, Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,980 (100%) |
| Owner Occupied HU | 8,564 (50.4%) |
| Renter Occupied HU | 6,121 (36.0%) |
| Vacant Housing Units | 2,295 (13.5%) |
| Median Home Value | $248,409 |
| Average Home Value | $310,520 |
Housing Distribution
Address Breakdown
Residential
16,193
Single Family
10,905
Multi-Family
5,288
Businesses
1,329
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices