Longboat II Plan, HawkstoneLithiaFL33547
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at Longboat II Plan, Hawkstone, Lithia, FL, 33547 in Lithia is narrow, $146/mo net on $4,698/mo rent after the $3,085/mo debt service, but the property operates at break-even-plus, not a loss. At $685,990 with a 8.22% yield, the long-run equity case via 5% appreciation ($189,526 over five years) and $6,318/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: $270,837.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.0% |
| Monthly Cash Flow | $146 | $300 |
City averages based on Lithia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,698 |
| Total Monthly Debt Service | $4,279 |
| DSCR Ratio | 1.10x |
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
Neighborhood Data
Neighborhood data shown for ZIP Code: 33547, Lithia, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,999 (100%) |
| Owner Occupied HU | 8,930 (81.2%) |
| Renter Occupied HU | 1,652 (15.0%) |
| Vacant Housing Units | 417 ( 3.8%) |
| Median Home Value | $577,927 |
| Average Home Value | $619,117 |
Housing Distribution
Address Breakdown
Residential
10,633
Single Family
10,028
Multi-Family
605
Businesses
441
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
Neighborhood Data
Neighborhood data shown for ZIP Code: 33547, Lithia, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,999 (100%) |
| Owner Occupied HU | 8,930 (81.2%) |
| Renter Occupied HU | 1,652 (15.0%) |
| Vacant Housing Units | 417 ( 3.8%) |
| Median Home Value | $577,927 |
| Average Home Value | $619,117 |
Housing Distribution
Address Breakdown
Residential
10,633
Single Family
10,028
Multi-Family
605
Businesses
441
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
