4412 Banjo Lake RdLand O LakesFL34639
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow4412 Banjo Lake Rd, Land O Lakes, FL, 34639 in Land O Lakes earns its strong cash-flow label: 11.06% yield, $2,718/mo rent, $540/mo net income, DSCR 2.05. The $294,990 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $81,500 by year five. Combined with $2,717/yr in principal paydown, total projected return reaches $148,227.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.5% |
| Monthly Cash Flow | $540 | $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 | $2,060 |
| DSCR Ratio | 1.32x |
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 2024
1,600 sqft lot
$N/A/sqft
$220 monthly 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 2024
1,600 sqft lot
$N/A/sqft
$220 monthly 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