4243 Banjo Lake RdLand O LakesFL34639
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Land O Lakes rentals match the income profile of 4243 Banjo Lake Rd, Land O Lakes, FL, 34639. Listed at $269,990, gross rent is $2,718/mo and net cash flow is $926/mo, a 12.08% yield well above national averages. DSCR 2.24 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $74,593 by year five with $2,487/yr in annual principal reduction, projecting $162,518 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.1% | 6.5% |
| Monthly Cash Flow | $926 | $1,800 |
City averages based on Land O Lakes market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,718 |
| Total Monthly Debt Service | $1,684 |
| DSCR Ratio | 1.61x |
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.
Townhouse
Built in 2025
1,600 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34639, Land O Lakes, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,947 (100%) |
| Owner Occupied HU | 8,151 (74.5%) |
| Renter Occupied HU | 2,346 (21.4%) |
| Vacant Housing Units | 450 ( 4.1%) |
| Median Home Value | $434,237 |
| Average Home Value | $477,200 |
Housing Distribution
Address Breakdown
Residential
10,979
Single Family
9,323
Multi-Family
1,656
Businesses
795
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
Townhouse
Built in 2025
1,600 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34639, Land O Lakes, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,947 (100%) |
| Owner Occupied HU | 8,151 (74.5%) |
| Renter Occupied HU | 2,346 (21.4%) |
| Vacant Housing Units | 450 ( 4.1%) |
| Median Home Value | $434,237 |
| Average Home Value | $477,200 |
Housing Distribution
Address Breakdown
Residential
10,979
Single Family
9,323
Multi-Family
1,656
Businesses
795
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Reed Williams • ASHTON WOODS FLORIDA REALTY LLC
Mls Name: Stellar MLS
Mls ID: #O6309829