20273 Lou Angela LnLutzFL33558
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.24% yield at 20273 Lou Angela Ln, Lutz, FL, 33558 in Lutz is solid, but the $1,416/mo payment compresses net cash flow to $73/mo at $314,990. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $87,026 by year five, and $2,901/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.53) without U.S. income documentation. Total projected return: $124,782.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.0% |
| Monthly Cash Flow | $73 | $350 |
City averages based on Lutz market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,163 |
| Total Monthly Debt Service | $1,965 |
| DSCR Ratio | 1.10x |
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.
Townhouse
Built in 2025
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33558, Lutz, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,521 (100%) |
| Owner Occupied HU | 8,542 (68.2%) |
| Renter Occupied HU | 3,153 (25.2%) |
| Vacant Housing Units | 826 ( 6.6%) |
| Median Home Value | $554,444 |
| Average Home Value | $600,790 |
Housing Distribution
Address Breakdown
Residential
12,245
Single Family
8,965
Multi-Family
3,280
Businesses
296
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
Townhouse
Built in 2025
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33558, Lutz, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,521 (100%) |
| Owner Occupied HU | 8,542 (68.2%) |
| Renter Occupied HU | 3,153 (25.2%) |
| Vacant Housing Units | 826 ( 6.6%) |
| Median Home Value | $554,444 |
| Average Home Value | $600,790 |
Housing Distribution
Address Breakdown
Residential
12,245
Single Family
8,965
Multi-Family
3,280
Businesses
296
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices