2003 Whispering Pines StLargoFL33774
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 2003 Whispering Pines St, Largo, FL, 33774 in Largo deserves attention. This $331,024 property earns $3,418/mo in rent, a 12.39% gross yield, and nets $1,093/mo after the $1,488/mo payment. DSCR 2.30 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $91,456 compounds alongside $3,049/yr in yearly equity build, for a total cumulative return of $197,128.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.4% | 7.0% |
| Monthly Cash Flow | $1,093 | $1,500 |
City averages based on Largo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,418 |
| Total Monthly Debt Service | $2,193 |
| DSCR Ratio | 1.56x |
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 1972
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33774, Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,111 (100%) |
| Owner Occupied HU | 6,154 (60.9%) |
| Renter Occupied HU | 2,348 (23.2%) |
| Vacant Housing Units | 1,609 (15.9%) |
| Median Home Value | $409,530 |
| Average Home Value | $467,189 |
Housing Distribution
Address Breakdown
Residential
9,233
Single Family
6,409
Multi-Family
2,824
Businesses
379
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 1972
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33774, Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,111 (100%) |
| Owner Occupied HU | 6,154 (60.9%) |
| Renter Occupied HU | 2,348 (23.2%) |
| Vacant Housing Units | 1,609 (15.9%) |
| Median Home Value | $409,530 |
| Average Home Value | $467,189 |
Housing Distribution
Address Breakdown
Residential
9,233
Single Family
6,409
Multi-Family
2,824
Businesses
379
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices