5216 Rock Dove TrlLakelandFL33809
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 5216 Rock Dove Trl, Lakeland, FL, 33809 in Lakeland is narrow, $3/mo net on $2,126/mo rent after the $1,439/mo debt service, but the property operates at break-even-plus, not a loss. At $320,000 with a 7.97% yield, the long-run equity case via 5% appreciation ($88,410 over five years) and $2,947/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.48 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $122,120.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 7.0% |
| Monthly Cash Flow | $3 | $1,500 |
City averages based on Lakeland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,126 |
| Total Monthly Debt Service | $1,996 |
| 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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2004
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33809, Lakeland, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,530 (100%) |
| Owner Occupied HU | 8,941 (66.1%) |
| Renter Occupied HU | 3,734 (27.6%) |
| Vacant Housing Units | 855 ( 6.3%) |
| Median Home Value | $320,715 |
| Average Home Value | $343,826 |
Housing Distribution
Address Breakdown
Residential
13,079
Single Family
11,016
Multi-Family
2,063
Businesses
681
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 2004
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33809, Lakeland, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,530 (100%) |
| Owner Occupied HU | 8,941 (66.1%) |
| Renter Occupied HU | 3,734 (27.6%) |
| Vacant Housing Units | 855 ( 6.3%) |
| Median Home Value | $320,715 |
| Average Home Value | $343,826 |
Housing Distribution
Address Breakdown
Residential
13,079
Single Family
11,016
Multi-Family
2,063
Businesses
681
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices