20003 Umbria Hill DrTampaFL33647
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 20003 Umbria Hill Dr, Tampa, FL, 33647 in Tampa at $840,000, 5.17% gross yield, is a market-growth asset. Rental yield 5.17%. The $3,619/mo rent partially funds the $3,777/mo debt service; the core return is the 5%/yr price growth projected to add $232,077 over five years. Ziffy Mortgage's DSCR mortgage (0.96) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $194,318.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 3.0% |
| Monthly Cash Flow | $(2,327) | $350 |
City averages based on Tampa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,619 |
| Total Monthly Debt Service | $5,240 |
| DSCR Ratio | 0.69x |
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 2018
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33647, Tampa, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,242 (100%) |
| Owner Occupied HU | 16,184 (57.3%) |
| Renter Occupied HU | 10,826 (38.3%) |
| Vacant Housing Units | 1,232 ( 4.4%) |
| Median Home Value | $488,826 |
| Average Home Value | $549,305 |
Housing Distribution
Address Breakdown
Residential
27,674
Single Family
17,689
Multi-Family
9,985
Businesses
695
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 2018
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33647, Tampa, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,242 (100%) |
| Owner Occupied HU | 16,184 (57.3%) |
| Renter Occupied HU | 10,826 (38.3%) |
| Vacant Housing Units | 1,232 ( 4.4%) |
| Median Home Value | $488,826 |
| Average Home Value | $549,305 |
Housing Distribution
Address Breakdown
Residential
27,674
Single Family
17,689
Multi-Family
9,985
Businesses
695
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices