3103 E Emma StTampaFL33610
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Tampa rental at 3103 E Emma St, Tampa, FL, 33610 sits in the solid-income band: 10.37% gross yield, $1,806/mo rent, $419/mo net after the $940/mo debt service, DSCR 1.92. Entry price of $208,999 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $57,743 and $1,925/yr in principal reduction bring total cumulative return to $106,598.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 3.0% |
| Monthly Cash Flow | $419 | $350 |
City averages based on Tampa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,806 |
| Total Monthly Debt Service | $1,304 |
| DSCR Ratio | 1.39x |
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 1920
4,752 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33610, Tampa, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,150 (100%) |
| Owner Occupied HU | 8,259 (45.5%) |
| Renter Occupied HU | 8,914 (49.1%) |
| Vacant Housing Units | 977 ( 5.4%) |
| Median Home Value | $232,567 |
| Average Home Value | $300,910 |
Housing Distribution
Address Breakdown
Residential
17,295
Single Family
13,161
Multi-Family
4,134
Businesses
1,735
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 1920
4,752 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33610, Tampa, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,150 (100%) |
| Owner Occupied HU | 8,259 (45.5%) |
| Renter Occupied HU | 8,914 (49.1%) |
| Vacant Housing Units | 977 ( 5.4%) |
| Median Home Value | $232,567 |
| Average Home Value | $300,910 |
Housing Distribution
Address Breakdown
Residential
17,295
Single Family
13,161
Multi-Family
4,134
Businesses
1,735
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices