14817 Sterling Spur AveLithiaFL33547
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 14817 Sterling Spur Ave, Lithia, FL, 33547 in Lithia deserves attention. This $529,990 property earns $6,464/mo in rent, a 14.64% gross yield, and nets $2,935/mo after the $2,383/mo payment. DSCR 2.71 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $146,426 compounds alongside $4,881/yr in yearly equity build, for a total cumulative return of $390,911.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.6% | 6.0% |
| Monthly Cash Flow | $2,935 | $300 |
City averages based on Lithia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,464 |
| Total Monthly Debt Service | $3,318 |
| DSCR Ratio | 1.95x |
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 2024
8,445 sqft lot
$N/A/sqft
$12 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33547, Lithia, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,999 (100%) |
| Owner Occupied HU | 8,930 (81.2%) |
| Renter Occupied HU | 1,652 (15.0%) |
| Vacant Housing Units | 417 ( 3.8%) |
| Median Home Value | $577,927 |
| Average Home Value | $619,117 |
Housing Distribution
Address Breakdown
Residential
10,633
Single Family
10,028
Multi-Family
605
Businesses
441
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 2024
8,445 sqft lot
$N/A/sqft
$12 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33547, Lithia, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,999 (100%) |
| Owner Occupied HU | 8,930 (81.2%) |
| Renter Occupied HU | 1,652 (15.0%) |
| Vacant Housing Units | 417 ( 3.8%) |
| Median Home Value | $577,927 |
| Average Home Value | $619,117 |
Housing Distribution
Address Breakdown
Residential
10,633
Single Family
10,028
Multi-Family
605
Businesses
441
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices