Estero Plan, Laurel BaySeffnerFL33584
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at Estero Plan, Laurel Bay, Seffner, FL, 33584 in Seffner. Priced at $347,990, it generates $3,214/mo in gross rent and $704/mo in net monthly cash flow, a 11.08% yield that comfortably supports the 2.05 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,451. Five-year appreciation: $96,143. Equity from principal paydown: $3,205/yr. Total projected cumulative return: $178,819.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 5.8% |
| Monthly Cash Flow | $704 | $210 |
City averages based on Seffner 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 | $3,214 |
| Total Monthly Debt Service | $2,371 |
| DSCR Ratio | 1.36x |
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.
Townhouse
Built in 2026
N/A lot
$N/A/sqft
$200 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33584, Seffner, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,097 (100%) |
| Owner Occupied HU | 8,266 (68.3%) |
| Renter Occupied HU | 3,078 (25.4%) |
| Vacant Housing Units | 753 ( 6.2%) |
| Median Home Value | $383,822 |
| Average Home Value | $444,996 |
Housing Distribution
Address Breakdown
Residential
11,086
Single Family
10,742
Multi-Family
344
Businesses
407
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
Townhouse
Built in 2026
N/A lot
$N/A/sqft
$200 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33584, Seffner, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,097 (100%) |
| Owner Occupied HU | 8,266 (68.3%) |
| Renter Occupied HU | 3,078 (25.4%) |
| Vacant Housing Units | 753 ( 6.2%) |
| Median Home Value | $383,822 |
| Average Home Value | $444,996 |
Housing Distribution
Address Breakdown
Residential
11,086
Single Family
10,742
Multi-Family
344
Businesses
407
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices