Rank #4Single Family HomeCash Flow: $2,400/mo

4 bed / 3 bath · Hudson

Hudson, FL 34669 · Address on request · Wesley Chapel

Prepare to be awed by this beautiful home with an inviting covered front porch. This open floor plan features 9-ft. ceilings, a secondary bedroom, and an expansive great room. The beautiful kitchen features a large at-eat island, 36-in. upper cabinets, a pantry, granite countertops, and a stainless-steel Whirlpool® appliance package. Upstairs, you will find three secondary bedrooms, each with ample closets and a dedicated laundry room. The primary bedroom boasts a large walk-in closet, while the adjoining bathroom comes complete with a linen closet, an extended dual sink vanity with granite countertops, and a walk-in shower with tile surround. Community will offer a resort style amenity, low HOA and convenient access to SR-589

Ask: $379,019
Offer: $378,200
Rent: $2,735/mo
Cash flow: $2,400/mo
After debt (50% dn): $1,142/mo
Mortgage (50% dn): $1,258/mo
Tax: $8/mo
HOA: $11/mo
Insurance: $316/mo
Beds / baths: 4 / 3
Sqft: 2,566
Year built: 2025
Lot: 6,098 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)

$1,142/mo

Rent minus taxes, HOA, insurance, and the mortgage. That’s about 7.2% a year on the money you put in.

If you pay all cash

$2,400/mo

No mortgage payment. About 7.6% 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: $931,353
Rent leftovers stacked: $137,030
Rent + price growth: $717,011

Slow growth

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

Worth in 10 years: $484,128
Rent leftovers stacked: $137,030
Rent + price growth: $269,786

Normal growth

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

Worth in 10 years: $587,333
Rent leftovers stacked: $137,030
Rent + price growth: $372,991

Fast growth

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

Worth in 10 years: $743,977
Rent leftovers stacked: $137,030
Rent + price growth: $529,635

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

7.6%

You keep about $2,400/mo every month after bills

With this down payment

7.2%

50% down = $189,100 of your money

Cash left each month

$1,142/mo

After also paying the $1,258/mo mortgage

How much do you put down?50% · $189,100 · bank loan $189,100

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

$587,333

Your equity

$425,062

Still owe bank $162,271

Profit vs cash you put in

$372,991

Includes rent leftover + price growth

Avg return per year

11.5%

2.97× 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)

$137,030

10 years of leftover cash stacked up

From price growth

$235,962

Equity today minus the cash you put in

Total return

$372,991

On $189,100 cash in · 11.5%/yr avg

Where the money comes from (year 10)

Rent leftoversPrice growth

Year	Rent stacked	Equity gain	Total return	Avg / yr
1	$13,703	$18,940	$32,643	17.3%
2	$27,406	$38,785	$66,190	16.2%
3	$41,109	$59,578	$100,687	15.3%
4	$54,812	$81,368	$136,180	14.5%
5	$68,515	$104,203	$172,718	13.9%
6	$82,218	$128,135	$210,353	13.3%
7	$95,921	$153,218	$249,139	12.8%
8	$109,624	$179,510	$289,133	12.3%
9	$123,327	$207,070	$330,396	11.9%
10	$137,030	$235,962	$372,991	11.5%
11	$150,733	$266,252	$416,985	11.2%
12	$164,435	$298,011	$462,446	10.9%
13	$178,138	$331,312	$509,450	10.6%
14	$191,841	$366,232	$558,074	10.3%
15	$205,544	$402,854	$608,398	10.1%

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

Wesley Chapel · Greater Tampa