1447 MONTE LAKE DRIVEValricoFL33596
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1447 MONTE LAKE DRIVE, Valrico, FL, 33596 in Valrico. Priced at $395,000, it generates $3,622/mo in gross rent and $997/mo in net monthly cash flow, a 11% yield that comfortably supports the 1.93 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $11,968. Five-year appreciation: $109,131. Equity from principal paydown: $3,311/yr. Total projected cumulative return: $207,535.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.2% |
| Monthly Cash Flow | $997 | $350 |
City averages based on Valrico market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,622 |
| Total Monthly Debt Service | $2,560 |
| DSCR Ratio | 1.41x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1987
7,992 sqft lot
$N/A/sqft
No HOA
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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
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