18407 Serene Lake LoopLutzFL33548
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 18407 Serene Lake Loop, Lutz, FL, 33548 in Lutz fits: $564,900, 5.86% gross yield, and a projected 5% annual appreciation rate adding $156,071 in value within five years. Rental yield 5.86%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.09) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,203/yr in principal paydown and $156,071 in appreciation project a total return of $141,170.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 5.0% |
| Monthly Cash Flow | $(1,165) | $350 |
City averages based on Lutz market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,760 |
| Total Monthly Debt Service | $3,700 |
| DSCR Ratio | 0.75x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
N/A lot
$N/A/sqft
$176 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33548, Lutz, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,324 (100%) |
| Owner Occupied HU | 2,464 (74.1%) |
| Renter Occupied HU | 574 (17.3%) |
| Vacant Housing Units | 286 ( 8.6%) |
| Median Home Value | $624,457 |
| Average Home Value | $726,915 |
Housing Distribution
Address Breakdown
Residential
3,208
Single Family
3,033
Multi-Family
175
Businesses
684
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
N/A lot
$N/A/sqft
$176 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33548, Lutz, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,324 (100%) |
| Owner Occupied HU | 2,464 (74.1%) |
| Renter Occupied HU | 574 (17.3%) |
| Vacant Housing Units | 286 ( 8.6%) |
| Median Home Value | $624,457 |
| Average Home Value | $726,915 |
Housing Distribution
Address Breakdown
Residential
3,208
Single Family
3,033
Multi-Family
175
Businesses
684
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices