Rank #8TownhomeCash Flow: $1,367/mo

3 bed / 3 bath · Zephyrhills

Zephyrhills, FL 33542 · Address on request · Zephyrhills

LOCATION, PRIVACY & CONVENIENCE! Welcome home to this desirable rear, end-unit townhome in Zephyrhills, offering 3 bedrooms, 2.5 bathrooms and a comfortable floor plan designed for everyday living and entertaining. Step inside to an inviting open living and dining area, perfect for gathering with family and friends. The kitchen features a convenient pass-through breakfast bar, keeping the cook connected to the conversation. A half bath downstairs adds extra convenience for guests. Upstairs, you’ll find three bedrooms and two full bathrooms, along with a full laundry area upstairs—no carrying laundry up and down the stairs! One of the best features is the private rear patio with no neighbors directly behind you, creating a peaceful little retreat for morning coffee, evening relaxation, or even your own container garden. Rumor has it, this patio grows a pretty perfect tomato! Being a rear corner/end unit provides an added sense of privacy, while the Zephyrhills location keeps you close to shopping, dining, medical facilities, entertainment and everyday conveniences. Whether you’re looking for a primary residence, seasonal Florida home, or investment opportunity, this townhome offers the combination everyone wants—easy living, great location and a little extra privacy!

Ask: $179,900
Offer: $175,000
Rent: $1,962/mo
Cash flow: $1,367/mo
After debt (50% dn): $785/mo
Mortgage (50% dn): $582/mo
Tax: $160/mo
HOA: $285/mo
Insurance: $150/mo
Beds / baths: 3 / 3
Sqft: 1,363
Year built: 2010
Lot: 1,343 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)

$785/mo

Rent minus taxes, HOA, insurance, and the mortgage. That’s about 10.8% a year on the money you put in.

If you pay all cash

$1,367/mo

No mortgage payment. About 9.4% 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: $389,119
Rent leftovers stacked: $94,183
Rent + price growth: $320,717

Slow growth

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

Worth in 10 years: $213,324
Rent leftovers stacked: $94,183
Rent + price growth: $144,921

Normal growth

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

Worth in 10 years: $259,043
Rent leftovers stacked: $94,183
Rent + price growth: $190,640

Fast growth

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

Worth in 10 years: $328,499
Rent leftovers stacked: $94,183
Rent + price growth: $260,096

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

9.4%

You keep about $1,367/mo every month after bills

With this down payment

10.8%

50% down = $87,500 of your money

Cash left each month

$785/mo

After also paying the $582/mo mortgage

How much do you put down?50% · $87,500 · bank loan $87,500

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.

How many years do you keep it?10 years

1 yr8 yr15 yr

Estimated value then

$259,043

Your equity

$183,957

Still owe bank $75,086

Profit vs cash you put in

$190,640

Includes rent leftover + price growth

Avg return per year

12.3%

3.18× your cash back

Recent yearly price changes · Townhome

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)

$94,183

10 years of leftover cash stacked up

From price growth

$96,457

Equity today minus the cash you put in

Total return

$190,640

On $87,500 cash in · 12.3%/yr avg

Where the money comes from (year 10)

Rent leftoversPrice growth

Year	Rent stacked	Equity gain	Total return	Avg / yr
1	$9,418	$7,889	$17,307	19.8%
2	$18,837	$16,122	$34,959	18.3%
3	$28,255	$24,715	$52,970	17.1%
4	$37,673	$33,685	$71,358	16.1%
5	$47,092	$43,049	$90,141	15.2%
6	$56,510	$52,826	$109,336	14.5%
7	$65,928	$63,034	$128,962	13.8%
8	$75,347	$73,694	$149,041	13.2%
9	$84,765	$84,828	$169,593	12.7%
10	$94,183	$96,457	$190,640	12.3%
11	$103,602	$108,605	$212,206	11.8%
12	$113,020	$121,296	$234,316	11.5%
13	$122,438	$134,558	$256,996	11.1%
14	$131,857	$148,415	$280,272	10.8%
15	$141,275	$162,899	$304,173	10.5%

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

Zephyrhills · Greater Tampa