605 Whippoorwill LnLargoFL33770
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 605 Whippoorwill Ln, Largo, FL, 33770 in Largo at $129,000 earns $974/mo in rent and nets $150/mo after the $580/mo payment, a 9.36% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $35,640 over five years. Ziffy Mortgage underwrites this on a 1.68 DSCR without U.S. credit history. With $1,188/yr in principal paydown, total projected return reaches $56,796.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 7.0% |
| Monthly Cash Flow | $150 | $1,500 |
City averages based on Largo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $974 |
| Total Monthly Debt Service | $805 |
| DSCR Ratio | 1.21x |
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.
Manufactured
Built in 1980
1,176 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33770, Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,532 (100%) |
| Owner Occupied HU | 7,378 (54.5%) |
| Renter Occupied HU | 4,435 (32.8%) |
| Vacant Housing Units | 1,719 (12.7%) |
| Median Home Value | $356,609 |
| Average Home Value | $442,089 |
Housing Distribution
Address Breakdown
Residential
13,457
Single Family
10,033
Multi-Family
3,424
Businesses
854
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
Manufactured
Built in 1980
1,176 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33770, Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,532 (100%) |
| Owner Occupied HU | 7,378 (54.5%) |
| Renter Occupied HU | 4,435 (32.8%) |
| Vacant Housing Units | 1,719 (12.7%) |
| Median Home Value | $356,609 |
| Average Home Value | $442,089 |
Housing Distribution
Address Breakdown
Residential
13,457
Single Family
10,033
Multi-Family
3,424
Businesses
854
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices