2900 Banyan Hill LnLand O LakesFL34639
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 2900 Banyan Hill Ln, Land O Lakes, FL, 34639 in Land O Lakes is narrow, $17/mo net on $2,311/mo rent after the $1,342/mo debt service, but the property operates at break-even-plus, not a loss. At $298,500 with a 9.29% yield, the long-run equity case via 5% appreciation ($82,470 over five years) and $2,749/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.72 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $135,076.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.5% |
| Monthly Cash Flow | $17 | $1,800 |
City averages based on Land O Lakes market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,311 |
| Total Monthly Debt Service | $1,862 |
| DSCR Ratio | 1.24x |
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 2003
5,625 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34639, Land O Lakes, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,947 (100%) |
| Owner Occupied HU | 8,151 (74.5%) |
| Renter Occupied HU | 2,346 (21.4%) |
| Vacant Housing Units | 450 ( 4.1%) |
| Median Home Value | $434,237 |
| Average Home Value | $477,200 |
Housing Distribution
Address Breakdown
Residential
10,979
Single Family
9,323
Multi-Family
1,656
Businesses
795
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 2003
5,625 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34639, Land O Lakes, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,947 (100%) |
| Owner Occupied HU | 8,151 (74.5%) |
| Renter Occupied HU | 2,346 (21.4%) |
| Vacant Housing Units | 450 ( 4.1%) |
| Median Home Value | $434,237 |
| Average Home Value | $477,200 |
Housing Distribution
Address Breakdown
Residential
10,979
Single Family
9,323
Multi-Family
1,656
Businesses
795
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Luisa Londono • PEOPLE'S CHOICE REALTY SVC LLC
Mls Name: Stellar MLS
Mls ID: #TB8426515