Sierra Plan, Graceland EstatesThonotosassaFL33592
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at Sierra Plan, Graceland Estates, Thonotosassa, FL, 33592 in Thonotosassa is capital appreciation. Rental yield 4.45%. The 4.45% gross yield at $614,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $169,886 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.82) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $118,529.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.0% |
| Monthly Cash Flow | $(1,801) | $300 |
City averages based on Thonotosassa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,280 |
| Total Monthly Debt Service | $3,836 |
| DSCR Ratio | 0.59x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
Neighborhood Data
Neighborhood data shown for ZIP Code: 33592, Thonotosassa, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,618 (100%) |
| Owner Occupied HU | 3,421 (60.9%) |
| Renter Occupied HU | 1,700 (30.3%) |
| Vacant Housing Units | 497 ( 8.8%) |
| Median Home Value | $370,697 |
| Average Home Value | $479,746 |
Housing Distribution
Address Breakdown
Residential
4,668
Single Family
4,310
Multi-Family
358
Businesses
302
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
Neighborhood Data
Neighborhood data shown for ZIP Code: 33592, Thonotosassa, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,618 (100%) |
| Owner Occupied HU | 3,421 (60.9%) |
| Renter Occupied HU | 1,700 (30.3%) |
| Vacant Housing Units | 497 ( 8.8%) |
| Median Home Value | $370,697 |
| Average Home Value | $479,746 |
Housing Distribution
Address Breakdown
Residential
4,668
Single Family
4,310
Multi-Family
358
Businesses
302
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Maronda Homes
Mls Name: Maronda Homes
Mls Provider:
Mls ID: #N/A