5105 Lady Rose CtLutzFL33558
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 5105 Lady Rose Ct, Lutz, FL, 33558 in Lutz. At $647,000 it earns $5,044/mo in rent and distributes $750/mo to the owner after the $2,909/mo payment, a consistent 9.35% yield. DSCR 1.73 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $178,754 in value; $5,959/yr in principal paydown compounds ownership stake. Total projected return: $294,934.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 5.0% |
| Monthly Cash Flow | $750 | $350 |
City averages based on Lutz market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,044 |
| Total Monthly Debt Service | $4,036 |
| DSCR Ratio | 1.25x |
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 1998
8,960 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33558, Lutz, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,521 (100%) |
| Owner Occupied HU | 8,542 (68.2%) |
| Renter Occupied HU | 3,153 (25.2%) |
| Vacant Housing Units | 826 ( 6.6%) |
| Median Home Value | $554,444 |
| Average Home Value | $600,790 |
Housing Distribution
Address Breakdown
Residential
12,245
Single Family
8,965
Multi-Family
3,280
Businesses
296
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 1998
8,960 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33558, Lutz, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,521 (100%) |
| Owner Occupied HU | 8,542 (68.2%) |
| Renter Occupied HU | 3,153 (25.2%) |
| Vacant Housing Units | 826 ( 6.6%) |
| Median Home Value | $554,444 |
| Average Home Value | $600,790 |
Housing Distribution
Address Breakdown
Residential
12,245
Single Family
8,965
Multi-Family
3,280
Businesses
296
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices