19212 Iron Topsail IsleLand O LakesFL34638
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 19212 Iron Topsail Isle, Land O Lakes, FL, 34638 in Land O Lakes is the 1.60 coverage ratio: rent of $2,702/mo versus a $1,686/mo debt payment on a $375,000 property. Rental yield 8.65%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $103,606 by year five, with $3,454/yr in equity from paydown. Total projected cumulative return: $156,680.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.5% |
| Monthly Cash Flow | $(316) | $1,800 |
City averages based on Land O Lakes 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 | $2,702 |
| Total Monthly Debt Service | $2,339 |
| DSCR Ratio | 1.16x |
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 2022
5,098 sqft lot
$N/A/sqft
No HOA
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 2022
5,098 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kimberly Janowiak P A • FUTURE HOME REALTY INC
Mls Name: Stellar MLS
Mls ID: #TB8459209