3408 Valley Ranch DrLutzFL33548
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3408 Valley Ranch Dr, Lutz, FL, 33548 in Lutz at $689,900 earns $4,800/mo in rent and nets $200/mo after the $3,102/mo payment, a 8.35% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $190,607 over five years. Ziffy Mortgage underwrites this on a 1.55 DSCR without U.S. credit history. With $6,354/yr in principal paydown, total projected return reaches $277,245.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.0% |
| Monthly Cash Flow | $200 | $350 |
City averages based on Lutz market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,800 |
| Total Monthly Debt Service | $4,304 |
| DSCR Ratio | 1.12x |
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 1986
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33548, Lutz, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,324 (100%) |
| Owner Occupied HU | 2,464 (74.1%) |
| Renter Occupied HU | 574 (17.3%) |
| Vacant Housing Units | 286 ( 8.6%) |
| Median Home Value | $624,457 |
| Average Home Value | $726,915 |
Housing Distribution
Address Breakdown
Residential
3,208
Single Family
3,033
Multi-Family
175
Businesses
684
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 1986
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33548, Lutz, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,324 (100%) |
| Owner Occupied HU | 2,464 (74.1%) |
| Renter Occupied HU | 574 (17.3%) |
| Vacant Housing Units | 286 ( 8.6%) |
| Median Home Value | $624,457 |
| Average Home Value | $726,915 |
Housing Distribution
Address Breakdown
Residential
3,208
Single Family
3,033
Multi-Family
175
Businesses
684
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices