18530 Serene Lake LoopLutzFL33548
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 18530 Serene Lake Loop, Lutz, FL, 33548 in Lutz earns a 8.51% gross yield at $676,700. Rent of $4,800/mo nets $309/mo after the $3,043/mo mortgage. The 1.58 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $186,960 and $6,232/yr in equity accumulation project a total cumulative return of $277,831.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.0% |
| Monthly Cash Flow | $309 | $350 |
City averages based on Lutz market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,800 |
| Total Monthly Debt Service | $4,221 |
| DSCR Ratio | 1.14x |
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 2025
N/A lot
$N/A/sqft
No 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 2025
N/A lot
$N/A/sqft
No 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
