5316 LOCHMEAD TERRACEZephyrhillsFL33541
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 5316 LOCHMEAD TERRACE, Zephyrhills, FL, 33541 in Zephyrhills. At $269,300 it earns $2,336/mo in rent and distributes $235/mo to the owner after the $1,277/mo payment, a consistent 10.41% yield. DSCR 1.83 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $74,403 in value; $2,258/yr in principal paydown compounds ownership stake. Total projected return: $132,871.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 7.5% |
| Monthly Cash Flow | $235 | $300 |
City averages based on Zephyrhills 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 | $2,336 |
| Total Monthly Debt Service | $1,746 |
| DSCR Ratio | 1.34x |
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 1990
9,949 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33541, Zephyrhills, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,243 (100%) |
| Owner Occupied HU | 10,776 (66.3%) |
| Renter Occupied HU | 2,083 (12.8%) |
| Vacant Housing Units | 3,384 (20.8%) |
| Median Home Value | $242,315 |
| Average Home Value | $271,459 |
Housing Distribution
Address Breakdown
Residential
13,965
Single Family
10,880
Multi-Family
3,085
Businesses
369
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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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Listed by: N/A • N/A
Mls Name: Stellar MLS
Mls Provider:
Mls ID: #TB8546177
