Rank #6Single Family HomeCash Flow: $2,312/mo

6 bed / 3 bath · Ruskin

Ruskin, FL 33570 · Address on request · East Tampa / 33610

Welcome to this impressive six-bedroom, three-bath home in Ruskin perfectly situated near Tampa and offering generous space, comfort, and serene lake views. Built in 2019, this newer construction home features a bright and open floor plan with a versatile flex room ideal for a home office, gym, or playroom. The kitchen flows seamlessly into the living and dining areas, creating an inviting space for everyday living and effortless entertaining. The master suite serves as a private retreat, complete with luxury vinyl flooring, a spacious walk-in closet, and a well-appointed bathroom. One guest bedroom also includes vinyl flooring, while the additional bedrooms have ample room for family or visitors. Step out onto the enclosed lanai and enjoy peaceful lake views the perfect setting for morning coffee or relaxing evening gatherings. Additional highlights include a front-yard sprinkler system, a newer AC unit, and a brand-new water heater just installed. With thoughtful upgrades, a spacious layout, and a prime location close to Tampa’s shopping, dining, and recreational options, this move-in-ready home truly stands out. You’ll love being just 8 minutes to the beach, 15 minutes to Apollo Beach, 25 minutes to Ellenton Outlets, 25 minutes to Brandon Mall, and conveniently near Moffitt Hospital. A must-see property offering comfort, convenience, and beautiful views schedule your showing today!

Ask: $400,000
Offer: $389,700
Rent: $3,274/mo
Cash flow: $2,312/mo
After debt (50% dn): $1,016/mo
Mortgage (50% dn): $1,296/mo
Tax: $615/mo
HOA: $14/mo
Insurance: $333/mo
Beds / baths: 6 / 3
Sqft: 3,362
Year built: 2019
Lot: 5,782 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)

$1,016/mo

Rent minus taxes, HOA, insurance, and the mortgage. That’s about 6.3% a year on the money you put in.

If you pay all cash

$2,312/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: $959,672
Rent leftovers stacked: $121,879
Rent + price growth: $719,496

Slow growth

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

Worth in 10 years: $498,849
Rent leftovers stacked: $121,879
Rent + price growth: $258,672

Normal growth

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

Worth in 10 years: $605,192
Rent leftovers stacked: $121,879
Rent + price growth: $365,016

Fast growth

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

Worth in 10 years: $766,599
Rent leftovers stacked: $121,879
Rent + price growth: $526,422

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 $2,312/mo every month after bills

With this down payment

6.3%

50% down = $194,850 of your money

Cash left each month

$1,016/mo

After also paying the $1,296/mo mortgage

How much do you put down?50% · $194,850 · bank loan $194,850

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

$605,192

Your equity

$437,987

Still owe bank $167,205

Profit vs cash you put in

$365,016

Includes rent leftover + price growth

Avg return per year

11.1%

2.87× 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)

$121,879

10 years of leftover cash stacked up

From price growth

$243,137

Equity today minus the cash you put in

Total return

$365,016

On $194,850 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	$12,188	$19,516	$31,704	16.3%
2	$24,376	$39,964	$64,340	15.3%
3	$36,564	$61,390	$97,954	14.5%
4	$48,752	$83,842	$132,594	13.9%
5	$60,939	$107,372	$168,311	13.3%
6	$73,127	$132,031	$205,159	12.7%
7	$85,315	$157,877	$243,192	12.3%
8	$97,503	$184,968	$282,471	11.9%
9	$109,691	$213,366	$323,057	11.5%
10	$121,879	$243,137	$365,016	11.1%
11	$134,067	$274,348	$408,415	10.8%
12	$146,255	$307,073	$453,327	10.5%
13	$158,443	$341,386	$499,829	10.3%
14	$170,631	$377,368	$547,999	10.0%
15	$182,818	$415,104	$597,922	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