3911 La Costa LnLargoFL33771
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.45% yield at 3911 La Costa Ln, Largo, FL, 33771 in Largo is solid, but the $1,460/mo payment compresses net cash flow to $131/mo at $324,700. 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 $89,709 by year five, and $2,991/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.57) without U.S. income documentation. Total projected return: $132,231.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 7.0% |
| Monthly Cash Flow | $131 | $1,500 |
City averages based on Largo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,286 |
| Total Monthly Debt Service | $2,026 |
| DSCR Ratio | 1.13x |
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 1985
1,625 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33771, Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,980 (100%) |
| Owner Occupied HU | 8,564 (50.4%) |
| Renter Occupied HU | 6,121 (36.0%) |
| Vacant Housing Units | 2,295 (13.5%) |
| Median Home Value | $248,409 |
| Average Home Value | $310,520 |
Housing Distribution
Address Breakdown
Residential
16,193
Single Family
10,905
Multi-Family
5,288
Businesses
1,329
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 1985
1,625 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33771, Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,980 (100%) |
| Owner Occupied HU | 8,564 (50.4%) |
| Renter Occupied HU | 6,121 (36.0%) |
| Vacant Housing Units | 2,295 (13.5%) |
| Median Home Value | $248,409 |
| Average Home Value | $310,520 |
Housing Distribution
Address Breakdown
Residential
16,193
Single Family
10,905
Multi-Family
5,288
Businesses
1,329
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices