The Carolina Plan, English Creek EstatesLakelandFL33811
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at The Carolina Plan, English Creek Estates, Lakeland, FL, 33811 in Lakeland is narrow, $33/mo net on $3,815/mo rent after the $2,504/mo debt service, but the property operates at break-even-plus, not a loss. At $556,900 with a 8.03% yield, the long-run equity case via 5% appreciation ($153,861 over five years) and $5,129/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: $219,999.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 7.0% |
| Monthly Cash Flow | $33 | $1,500 |
City averages based on Lakeland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,815 |
| Total Monthly Debt Service | $3,474 |
| 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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33811, Lakeland, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,839 (100%) |
| Owner Occupied HU | 8,839 (74.7%) |
| Renter Occupied HU | 2,487 (21.0%) |
| Vacant Housing Units | 513 ( 4.3%) |
| Median Home Value | $381,227 |
| Average Home Value | $421,922 |
Housing Distribution
Address Breakdown
Residential
11,509
Single Family
9,579
Multi-Family
1,930
Businesses
603
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: 33811, Lakeland, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,839 (100%) |
| Owner Occupied HU | 8,839 (74.7%) |
| Renter Occupied HU | 2,487 (21.0%) |
| Vacant Housing Units | 513 ( 4.3%) |
| Median Home Value | $381,227 |
| Average Home Value | $421,922 |
Housing Distribution
Address Breakdown
Residential
11,509
Single Family
9,579
Multi-Family
1,930
Businesses
603
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
