421 Pine Bluff DrLutzFL33549
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 421 Pine Bluff Dr, Lutz, FL, 33549 in Lutz. Rental yield 4.57%. At $1,150,000 with 4.57% gross yield, current distributions are modest, but the 5% appreciation rate projects $317,724 in new equity by year five, complemented by $10,592/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.85) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $229,094.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 5.0% |
| Monthly Cash Flow | $(3,454) | $350 |
City averages based on Lutz market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,380 |
| Total Monthly Debt Service | $7,174 |
| DSCR Ratio | 0.61x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
1.05 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33549, Lutz, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,476 (100%) |
| Owner Occupied HU | 5,596 (66.0%) |
| Renter Occupied HU | 2,515 (29.7%) |
| Vacant Housing Units | 365 ( 4.3%) |
| Median Home Value | $466,952 |
| Average Home Value | $498,666 |
Housing Distribution
Address Breakdown
Residential
7,330
Single Family
6,539
Multi-Family
791
Businesses
547
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
1.05 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33549, Lutz, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,476 (100%) |
| Owner Occupied HU | 5,596 (66.0%) |
| Renter Occupied HU | 2,515 (29.7%) |
| Vacant Housing Units | 365 ( 4.3%) |
| Median Home Value | $466,952 |
| Average Home Value | $498,666 |
Housing Distribution
Address Breakdown
Residential
7,330
Single Family
6,539
Multi-Family
791
Businesses
547
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices