9492 Minnow Ray DrLand O LakesFL34638
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 9492 Minnow Ray Dr, Land O Lakes, FL, 34638 in Land O Lakes is narrow, $93/mo net on $3,442/mo rent after the $2,269/mo debt service, but the property operates at break-even-plus, not a loss. At $504,640 with a 8.18% yield, the long-run equity case via 5% appreciation ($139,423 over five years) and $4,648/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.52 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $198,375.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.5% |
| Monthly Cash Flow | $93 | $1,800 |
City averages based on Land O Lakes market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,442 |
| Total Monthly Debt Service | $3,148 |
| DSCR Ratio | 1.09x |
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 2026
N/A lot
$N/A/sqft
No HOA
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 2026
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Lennar
Mls Name: Lennar Homes
Mls Provider:
Mls ID: #N/A