3833 Whistlewood CirLakelandFL33811
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3833 Whistlewood Cir, Lakeland, FL, 33811 in Lakeland at $323,000 earns $2,386/mo in rent and nets $7/mo after the $1,452/mo payment, a 8.86% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $89,239 over five years. Ziffy Mortgage underwrites this on a 1.64 DSCR without U.S. credit history. With $2,975/yr in principal paydown, total projected return reaches $138,765.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 7.0% |
| Monthly Cash Flow | $7 | $1,500 |
City averages based on Lakeland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,386 |
| Total Monthly Debt Service | $2,015 |
| DSCR Ratio | 1.18x |
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 2005
6,050 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33811, Lakeland, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,839 (100%) |
| Owner Occupied HU | 8,839 (74.7%) |
| Renter Occupied HU | 2,487 (21.0%) |
| Vacant Housing Units | 513 ( 4.3%) |
| Median Home Value | $381,227 |
| Average Home Value | $421,922 |
Housing Distribution
Address Breakdown
Residential
11,509
Single Family
9,579
Multi-Family
1,930
Businesses
603
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 2005
6,050 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33811, Lakeland, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,839 (100%) |
| Owner Occupied HU | 8,839 (74.7%) |
| Renter Occupied HU | 2,487 (21.0%) |
| Vacant Housing Units | 513 ( 4.3%) |
| Median Home Value | $381,227 |
| Average Home Value | $421,922 |
Housing Distribution
Address Breakdown
Residential
11,509
Single Family
9,579
Multi-Family
1,930
Businesses
603
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices