4851 GAZELLE PLACELutzFL33559
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4851 GAZELLE PLACE, Lutz, FL, 33559 in Lutz is narrow, $48/mo net on $1,475/mo rent after the $1,019/mo debt service, but the property operates at break-even-plus, not a loss. At $215,000 with a 8.23% yield, the long-run equity case via 5% appreciation ($59,401 over five years) and $1,802/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.45 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $81,043.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.0% |
| Monthly Cash Flow | $48 | $350 |
City averages based on Lutz market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,475 |
| Total Monthly Debt Service | $1,394 |
| DSCR Ratio | 1.06x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33559, Lutz, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,750 (100%) |
| Owner Occupied HU | 3,993 (51.5%) |
| Renter Occupied HU | 3,182 (41.1%) |
| Vacant Housing Units | 575 ( 7.4%) |
| Median Home Value | $438,365 |
| Average Home Value | $507,849 |
Housing Distribution
Address Breakdown
Residential
7,308
Single Family
5,780
Multi-Family
1,528
Businesses
486
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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
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Nearby investment properties with comparable prices
