Santina II Plan, Oakstead EstatesLand O LakesFL34638
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSantina II Plan, Oakstead Estates, Land O Lakes, FL, 34638 in Land O Lakes is a solid income-producing rental, 8.44% gross yield, $4,475/mo rent, $254/mo net cash flow on a $635,990 buy. DSCR 1.56 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $175,712 and $5,858/yr in principal reduction project a total cumulative return of $258,799.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.5% |
| Monthly Cash Flow | $254 | $1,800 |
City averages based on Land O Lakes market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,475 |
| Total Monthly Debt Service | $3,967 |
| DSCR Ratio | 1.13x |
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 2025
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 2025
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brandon Paton • M/I Homes
Mls Name: M/I Homes
Mls Provider:
Mls ID: #N/A