16405 Lucia Gardens LnTampaFL33625
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 16405 Lucia Gardens Ln, Tampa, FL, 33625 in Tampa. At $799,000 it earns $5,723/mo in rent and distributes $421/mo to the owner after the $3,593/mo payment, a consistent 8.59% yield. DSCR 1.59 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $220,749 in value; $7,359/yr in principal paydown compounds ownership stake. Total projected return: $331,599.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 3.0% |
| Monthly Cash Flow | $421 | $350 |
City averages based on Tampa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,723 |
| Total Monthly Debt Service | $4,984 |
| DSCR Ratio | 1.15x |
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 2020
6,718 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33625, Tampa, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,658 (100%) |
| Owner Occupied HU | 7,516 (64.5%) |
| Renter Occupied HU | 3,760 (32.3%) |
| Vacant Housing Units | 382 ( 3.3%) |
| Median Home Value | $428,634 |
| Average Home Value | $480,368 |
Housing Distribution
Address Breakdown
Residential
11,438
Single Family
8,490
Multi-Family
2,948
Businesses
533
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 2020
6,718 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33625, Tampa, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,658 (100%) |
| Owner Occupied HU | 7,516 (64.5%) |
| Renter Occupied HU | 3,760 (32.3%) |
| Vacant Housing Units | 382 ( 3.3%) |
| Median Home Value | $428,634 |
| Average Home Value | $480,368 |
Housing Distribution
Address Breakdown
Residential
11,438
Single Family
8,490
Multi-Family
2,948
Businesses
533
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices