4007 Rutile RdLakelandFL33813
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 4007 Rutile Rd, Lakeland, FL, 33813 in Lakeland: $3,024/mo in rent, $284/mo in net income, 8.79% gross yield, 1.63 DSCR, all at $412,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $114,077 in appreciation and $3,803/yr in principal paydown projects total cumulative return of $175,618.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 7.0% |
| Monthly Cash Flow | $284 | $1,500 |
City averages based on Lakeland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,024 |
| Total Monthly Debt Service | $2,576 |
| DSCR Ratio | 1.17x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33813, Lakeland, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,841 (100%) |
| Owner Occupied HU | 11,809 (79.6%) |
| Renter Occupied HU | 2,470 (16.6%) |
| Vacant Housing Units | 562 ( 3.8%) |
| Median Home Value | $391,026 |
| Average Home Value | $439,689 |
Housing Distribution
Address Breakdown
Residential
14,667
Single Family
12,943
Multi-Family
1,724
Businesses
881
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33813, Lakeland, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,841 (100%) |
| Owner Occupied HU | 11,809 (79.6%) |
| Renter Occupied HU | 2,470 (16.6%) |
| Vacant Housing Units | 562 ( 3.8%) |
| Median Home Value | $391,026 |
| Average Home Value | $439,689 |
Housing Distribution
Address Breakdown
Residential
14,667
Single Family
12,943
Multi-Family
1,724
Businesses
881
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
