Rank #9TownhomeCash Flow: $1,412/mo

3 bed / 3 bath · Lakeland

Lakeland, FL 33805 · Address on request · Zephyrhills

Under Construction. FALL SAVINGS SALE!!! $5,000 TOWARDS BUYERS CLOSING COSTS OR RATE BUYDOWN!!! WELCOME TO THE CARPENTERS CREST!!! Come be the envy of all with a BRAND NEW 1,414sq townhome in the quaint city of Lakeland, FL!!! This newly constructed home is a 3bd/2.5ba townhome WITH an office and the features inside are sure to make your mouth DROP!!! From the moment you enter the home you’ll fall in love with not only the openness of the plan, but also the Upgraded Carpet, Carpet Padding, and Luxury Plank Vinyl that will span throughout the first floor!!! The kitchen will boasts of upgraded white cabinets, Granite countertops, and course Stainless Steel Appliances!!! The half bath downstairs is tucked away from everything, but also makes it super convenient for company to not have to venture upstairs!!! All of the bedrooms are on the 2nd floor of the home and the Master Bath is sure to catch your attention with the ceramic wall tile and double sink/vanity. Included features of the home are to include: 5 1/4 in baseboards, Granite in both Kitchen and Bathrooms, Double Pane Windows, Chair Rail on 1st Floor, 2 Heightened Electrical Outlets for Future Wall Mounted TVs, an Exterior Storage Closet, a Builder Warranty, and MUCH much more!!! Make your appointment TODAY because these last townhomes WILL sell QUICK!!! **SOME PHOTOS ARE VIRTUALLY STAGED** THIS HOME DOES HAVE UPDATED LUXURY VINYL PLANK FLOORING ON FIRST FLOOR OF THE HOME

Ask: $229,900
Offer: $229,800
Rent: $1,823/mo
Cash flow: $1,412/mo
After debt (50% dn): $648/mo
Mortgage (50% dn): $764/mo
Tax: $19/mo
HOA: $200/mo
Insurance: $192/mo
Beds / baths: 3 / 3
Sqft: 1,414
Year built: 2026
Lot: 849 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)

$648/mo

Rent minus taxes, HOA, insurance, and the mortgage. That’s about 6.8% a year on the money you put in.

If you pay all cash

$1,412/mo

No mortgage payment. About 7.4% 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: $510,969
Rent leftovers stacked: $77,708
Rent + price growth: $375,179

Slow growth

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

Worth in 10 years: $280,125
Rent leftovers stacked: $77,708
Rent + price growth: $144,335

Normal growth

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

Worth in 10 years: $340,160
Rent leftovers stacked: $77,708
Rent + price growth: $204,370

Fast growth

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

Worth in 10 years: $431,366
Rent leftovers stacked: $77,708
Rent + price growth: $295,576

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

7.4%

You keep about $1,412/mo every month after bills

With this down payment

6.8%

50% down = $114,900 of your money

Cash left each month

$648/mo

After also paying the $764/mo mortgage

How much do you put down?50% · $114,900 · bank loan $114,900

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

$340,160

Your equity

$241,562

Still owe bank $98,598

Profit vs cash you put in

$204,370

Includes rent leftover + price growth

Avg return per year

10.8%

2.78× 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)

$77,708

10 years of leftover cash stacked up

From price growth

$126,662

Equity today minus the cash you put in

Total return

$204,370

On $114,900 cash in · 10.8%/yr avg

Where the money comes from (year 10)

Rent leftoversPrice growth

Year	Rent stacked	Equity gain	Total return	Avg / yr
1	$7,771	$10,359	$18,130	15.8%
2	$15,542	$21,170	$36,712	14.9%
3	$23,312	$32,454	$55,767	14.1%
4	$31,083	$44,233	$75,316	13.4%
5	$38,854	$56,530	$95,384	12.8%
6	$46,625	$69,368	$115,993	12.3%
7	$54,396	$82,773	$137,168	11.9%
8	$62,166	$96,771	$158,938	11.5%
9	$69,937	$111,391	$181,328	11.1%
10	$77,708	$126,662	$204,370	10.8%
11	$85,479	$142,614	$228,093	10.5%
12	$93,250	$159,280	$252,529	10.2%
13	$101,021	$176,693	$277,714	9.9%
14	$108,791	$194,891	$303,682	9.7%
15	$116,562	$213,909	$330,471	9.5%

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