Rank #3Single Family HomeCash Flow: $2,426/mo

5 bed / 3 bath · Zephyrhills

Zephyrhills, FL 33540 · Address on request · Zephyrhills

Under Construction. The builder is offering buyers up to $15,000 towards closing costs with the use of a preferred lender and title company. Residents of Abbott Park enjoy the prime location of this new construction community, just 25 minutes from The Shops at Wiregrass and the Tampa Premium Outlets, offering a wide variety of shopping, dining, and entertainment options. Everyday essentials are also close at hand, with grocery stores, dining, and other amenities within a short distance of the community. Abbott Park features open-concept Express Series floorplans, with many new homes situated on oversized or pond homesites. High-speed Ultra-Fi Wi-Fi and cable are included in the HOA, making modern, connected living easier than ever. Community amenities include pool and a lot, creating spaces for relaxation and family fun. Each home in Abbott Park is thoughtfully constructed with durable concrete block construction on the first and second stories, ensuring structural quality. All homes are equipped with Smart Home System, which integrates technology seamlessly into your lifestyle. Other inventory options may be available in this community. Please reach out for list of availability. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from homes as built. Home and community information, including pricing, included features, terms, availability, and amenities, are subject to change and prior sale at any time without notice or obligation. Materials may vary based on availability

Ask: $370,000
Offer: $369,400
Rent: $2,922/mo
Cash flow: $2,426/mo
After debt (50% dn): $1,197/mo
Mortgage (50% dn): $1,229/mo
Tax: $105/mo
HOA: $83/mo
Insurance: $308/mo
Beds / baths: 5 / 3
Sqft: 2,605
Year built: 2027
Lot: 5,705 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)

$1,197/mo

Rent minus taxes, HOA, insurance, and the mortgage. That’s about 7.8% a year on the money you put in.

If you pay all cash

$2,426/mo

No mortgage payment. About 7.9% 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: $909,682
Rent leftovers stacked: $143,662
Rent + price growth: $710,149

Slow growth

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

Worth in 10 years: $472,863
Rent leftovers stacked: $143,662
Rent + price growth: $273,330

Normal growth

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

Worth in 10 years: $573,667
Rent leftovers stacked: $143,662
Rent + price growth: $374,134

Fast growth

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

Worth in 10 years: $726,666
Rent leftovers stacked: $143,662
Rent + price growth: $527,133

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

7.9%

You keep about $2,426/mo every month after bills

With this down payment

7.8%

50% down = $184,700 of your money

Cash left each month

$1,197/mo

After also paying the $1,229/mo mortgage

How much do you put down?50% · $184,700 · bank loan $184,700

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

$573,667

Your equity

$415,171

Still owe bank $158,495

Profit vs cash you put in

$374,134

Includes rent leftover + price growth

Avg return per year

11.7%

3.03× 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)

$143,662

10 years of leftover cash stacked up

From price growth

$230,471

Equity today minus the cash you put in

Total return

$374,134

On $184,700 cash in · 11.7%/yr avg

Where the money comes from (year 10)

Rent leftoversPrice growth

Year	Rent stacked	Equity gain	Total return	Avg / yr
1	$14,366	$18,499	$32,865	17.8%
2	$28,732	$37,882	$66,615	16.6%
3	$43,099	$58,192	$101,291	15.7%
4	$57,465	$79,475	$136,940	14.9%
5	$71,831	$101,779	$173,610	14.2%
6	$86,197	$125,154	$211,351	13.6%
7	$100,564	$149,653	$250,217	13.0%
8	$114,930	$175,333	$290,263	12.5%
9	$129,296	$202,252	$331,548	12.1%
10	$143,662	$230,471	$374,134	11.7%
11	$158,029	$260,057	$418,086	11.4%
12	$172,395	$291,077	$463,472	11.0%
13	$186,761	$323,603	$510,364	10.7%
14	$201,127	$357,711	$558,838	10.5%
15	$215,494	$393,480	$608,974	10.2%

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