Rank #9Single Family HomeCash Flow: $2,264/mo

4 bed / 3 bath · Ruskin

Ruskin, FL 33573 · Address on request · East Tampa / 33610

Welcome to , a spacious two-story pool home situated on a desirable corner lot in the Cypress Creek community of Ruskin! Offering approximately 2,800 square feet of living space, this home features 4 bedrooms, 2.5 bathrooms, and a versatile floor plan designed for comfortable everyday living and entertaining. The main living areas include a formal dining room, a generous family room, and a spacious kitchen featuring granite countertops, a center island, ample cabinetry, and a casual dining area. Upstairs, a loft and additional bonus room provide flexible space for a home office, media room, or recreation area. Step outside to your private backyard retreat, complete with a screened-in, saltwater pool, covered lanai, and fenced yard, perfect for enjoying Florida’s year-round sunshine. Additional highlights include an attached two-car garage and convenient access to community amenities, including recreational facilities, a playground, and sports courts. Ideally located near shopping, dining, schools, and major highways, with easy access to Tampa, Brandon, and the surrounding South Shore area. Don’t miss the opportunity to make this spacious Florida home your own!

Ask: $390,000
Offer: $385,300
Rent: $3,248/mo
Cash flow: $2,264/mo
After debt (50% dn): $982/mo
Mortgage (50% dn): $1,282/mo
Tax: $572/mo
HOA: $87/mo
Insurance: $325/mo
Beds / baths: 4 / 3
Sqft: 2,870
Year built: 2007
Lot: 8,095 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)

$982/mo

Rent minus taxes, HOA, insurance, and the mortgage. That’s about 6.1% a year on the money you put in.

If you pay all cash

$2,264/mo

No mortgage payment. About 7.1% 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: $948,837
Rent leftovers stacked: $117,875
Rent + price growth: $708,745

Slow growth

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

Worth in 10 years: $493,217
Rent leftovers stacked: $117,875
Rent + price growth: $253,124

Normal growth

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

Worth in 10 years: $598,359
Rent leftovers stacked: $117,875
Rent + price growth: $358,267

Fast growth

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

Worth in 10 years: $757,943
Rent leftovers stacked: $117,875
Rent + price growth: $517,851

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

7.1%

You keep about $2,264/mo every month after bills

With this down payment

6.1%

50% down = $192,650 of your money

Cash left each month

$982/mo

After also paying the $1,282/mo mortgage

How much do you put down?50% · $192,650 · bank loan $192,650

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.

Tampa–St. Petersburg FHFA HPI (all-transactions). Forward base ≈ long-run metro mean; conservative/optimistic band ±2.5 pts.

Last 1 year avg growth

-0.8% / yr

Last 5 years avg growth

10.3% / yr

Last 10 years avg growth

9.4% / yr

A middle-of-the-road guess for the next several years. Using 4.5% growth per year.

How many years do you keep it?10 years

1 yr8 yr15 yr

Estimated value then

$598,359

Your equity

$433,042

Still owe bank $165,318

Profit vs cash you put in

$358,267

Includes rent leftover + price growth

Avg return per year

11.1%

2.86× your cash back

Recent yearly price changes · Single-family (SFH)

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:

Rent leftovers (like a dividend) — cash you collect each year after bills and the mortgage.
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)

$117,875

10 years of leftover cash stacked up

From price growth

$240,392

Equity today minus the cash you put in

Total return

$358,267

On $192,650 cash in · 11.1%/yr avg

Where the money comes from (year 10)

Rent leftoversPrice growth

Year	Rent stacked	Equity gain	Total return	Avg / yr
1	$11,788	$19,295	$31,083	16.1%
2	$23,575	$39,513	$63,088	15.2%
3	$35,363	$60,697	$96,059	14.4%
4	$47,150	$82,896	$130,046	13.8%
5	$58,938	$106,159	$165,097	13.2%
6	$70,725	$130,541	$201,266	12.7%
7	$82,513	$156,095	$238,607	12.2%
8	$94,300	$182,880	$277,180	11.8%
9	$106,088	$210,957	$317,045	11.4%
10	$117,875	$240,392	$358,267	11.1%
11	$129,663	$271,251	$400,913	10.8%
12	$141,450	$303,606	$445,056	10.5%
13	$153,238	$337,532	$490,770	10.2%
14	$165,026	$373,108	$538,133	10.0%
15	$176,813	$410,417	$587,230	9.8%

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

East Tampa / 33610 · Greater Tampa