4915 Billy Direct LnLutzFL33559
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 4915 Billy Direct Ln, Lutz, FL, 33559 in Lutz. At $227,329 it earns $1,991/mo in rent and distributes $482/mo to the owner after the $1,022/mo payment, a consistent 10.51% yield. DSCR 1.95 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $62,807 in value; $2,094/yr in principal paydown compounds ownership stake. Total projected return: $117,753.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 5.0% |
| Monthly Cash Flow | $482 | $350 |
City averages based on Lutz market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,991 |
| Total Monthly Debt Service | $1,418 |
| DSCR Ratio | 1.40x |
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 1979
4,148 sqft 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
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 1979
4,148 sqft 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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices