20054 Nob Oak AveTampaFL33647
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 20054 Nob Oak Ave, Tampa, FL, 33647 in Tampa at $624,900 earns $4,400/mo in rent and nets $123/mo after the $2,810/mo payment, a 8.45% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $172,648 over five years. Ziffy Mortgage underwrites this on a 1.57 DSCR without U.S. credit history. With $5,755/yr in principal paydown, total projected return reaches $254,449.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 3.0% |
| Monthly Cash Flow | $123 | $350 |
City averages based on Tampa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,400 |
| Total Monthly Debt Service | $3,898 |
| DSCR Ratio | 1.13x |
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 2004
6,257 sqft 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 2004
6,257 sqft 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