REIP
← Back to Townhomes
Rank #5TownhomeCash Flow: $1,434/mo

3 bed / 3 bath · Dade City

Dade City, FL 33523 · Address on request

Welcome to your beautifully maintained 3-bedroom, 2.5-bathroom home located in the highly sought-after Vista Walk community! Offering 1,368 square feet of comfortable living space, this two-story home is located in a prime location just minutes from I-75, US 98 and US 301. Step inside to a spacious, open-concept first floor featuring generous living and dining areas for entertaining or everyday living. All three bedrooms are located upstairs, with the master bedroom having a private bathroom and an oversized walk-in closet. Enjoy the convenience of an attached garage and access to community amenities coming soon. Thousands in upgrades include a complete home security system with audio/video monitoring, a newly installed garage door opener, room-darkening curtains in the master bedroom, curved shower rods and never used bath accessories. Walk across the street to the beautiful Pasco-Hernando State College East campus! Let’s make a deal!

Ask
$224,900
Offer
$224,300
Rent
$2,050/mo
Cash flow
$1,434/mo
After debt (50% dn)
$688/mo
Mortgage (50% dn)
$746/mo
Tax
$118/mo
HOA
$311/mo
Insurance
$187/mo
Beds / baths
3 / 3
Sqft
1,386
Year built
2025
Lot
2,000 sqft

Money Models

Summary of the various models

These numbers use a simple setup: you put half the price down and keep the property for 10 years. Each card is a different guess about how fast prices rise.

Cash left each month (half down)

$688/mo

Rent minus taxes, HOA, insurance, and the mortgage. That’s about 7.4% a year on the money you put in.

If you pay all cash

$1,434/mo

No mortgage payment. About 7.7% a year on the full purchase price.

Like the last 10 years

Uses how fast this type of property grew in Tampa over the past 10 years.

Worth in 10 years
$498,740
Rent leftovers stacked
$82,544
Rent + price growth
$372,895

Slow growth

Assumes prices go up slowly. Safer / more careful guess.

Worth in 10 years
$273,420
Rent leftovers stacked
$82,544
Rent + price growth
$147,575

Normal growth

A middle-of-the-road guess for the next several years.

Worth in 10 years
$332,019
Rent leftovers stacked
$82,544
Rent + price growth
$206,174

Fast growth

Assumes a strong market. Good case, not a promise.

Worth in 10 years
$421,042
Rent leftovers stacked
$82,544
Rent + price growth
$295,197

The sections below let you move the down payment and the years if you want. You already have the picture if you stop here.

Model 1

Cash-on-cash (your yearly paycheck %)

What is this in plain English?

Imagine you put some money down to buy the house. Every month, tenants pay rent. After you pay taxes, HOA, insurance, and the mortgage, whatever cash is left is your “paycheck” from the property.

Cash-on-cash answers: “If I put in $X, what % of that do I get back each year in leftover cash?” Example: put in $100,000 and get $8,000/year left over → 8% cash-on-cash.

Move the slider to change how much you put down (1% = mostly borrowed, 100% = you pay all cash and have no mortgage payment).

If you pay all cash

7.7%

You keep about $1,434/mo every month after bills

With this down payment

7.4%

50% down = $112,150 of your money

Cash left each month

$688/mo

After also paying the $746/mo mortgage

50% · $112,150 · bank loan $112,150
1% down50%100% all cash
Open mortgage calculator with these numbers →

Model 2

Price growth (will the property be worth more?)

What is this in plain English?

Houses (and land) often cost more years later than they do today. That rise in price is called appreciation.

This model guesses: “If prices grow like ___, what is this property worth after 1 to 15 years?” It also tracks how much of the loan you’ve paid off, so you can see your equity (value minus what’s still owed to the bank).

Pick a growth speed below, then slide how many years you plan to hold. These are scenarios — not guarantees.

Modeled at ~88% of Tampa SFH HPI YoY (attached product between condo and detached). Forward rates between SFH and condo.

Last 1 year avg growth

-0.7% / yr

Last 5 years avg growth

9.1% / yr

Last 10 years avg growth

8.3% / yr

A middle-of-the-road guess for the next several years. Using 4.0% growth per year.

10 years
1 yr8 yr15 yr

Estimated value then

$332,019

Your equity

$235,780

Still owe bank $96,239

Profit vs cash you put in

$206,174

Includes rent leftover + price growth

Avg return per year

11.0%

2.84× your cash back

Recent yearly price changes · Townhome

16
17
18
19
20
21
22
23
24
25

Model 3

Total return (rent + price growth together)

What is this in plain English?

Real estate can pay you in two ways at the same time:

  1. Rent leftovers (like a dividend) — cash you collect each year after bills and the mortgage.
  2. Price growth — the property becoming worth more than what you still owe, so your equity grows.

This model adds both over the years you chose above. That combined number is your estimated total return. Uses the same down payment and growth scenario from Models 1 and 2.

From rent (dividends)

$82,544

10 years of leftover cash stacked up

From price growth

$123,630

Equity today minus the cash you put in

Total return

$206,174

On $112,150 cash in · 11.0%/yr avg

Where the money comes from (year 10)

Rent leftoversPrice growth
YearRent stackedEquity gainTotal returnAvg / yr
1$8,254$10,111$18,36616.4%
2$16,509$20,664$37,17215.4%
3$24,763$31,678$56,44114.6%
4$33,017$43,175$76,19213.8%
5$41,272$55,177$96,44813.2%
6$49,526$67,707$117,23412.7%
7$57,781$80,792$138,57212.2%
8$66,035$94,455$160,49011.7%
9$74,289$108,725$183,01411.4%
10$82,544$123,630$206,17411.0%
11$90,798$139,200$229,99810.7%
12$99,052$155,467$254,52010.4%
13$107,307$172,464$279,77110.1%
14$115,561$190,226$305,7879.9%
15$123,815$208,789$332,6059.6%

Tip: change the down-payment slider in Model 1 and the years / growth buttons in Model 2 — this total-return table updates automatically.

Subscribe

Subscribe for the next list

Name, email, and phone. New picks come to you — you don’t have to remember to come back.

DISCLAIMERS

Figures (taxes, HOA, insurance, rent, cash flow, offer, mortgage, and model outputs) are estimates from public data and automated models — not guarantees of value, income, or returns. Full disclaimers

Licensed solicitation by Sam Kasimalla, FL Real Estate Agent, LPT Realty LLC · Equal Housing Opportunity · Read full disclaimers · Privacy policy