Rank #7TownhomeCash Flow: $1,388/mo

3 bed / 3 bath · Tampa

Tampa, FL 33619 · Address on request · East Tampa / 33610

Welcome to this well-appointed 3-bedroom, 2.5-bath townhome in the heart of Tampa Bay. Step inside to soaring ceilings, modern lighting fixtures, and luxury vinyl flooring throughout. The kitchen offers generous counter space—ideal for entertaining—along with newer stainless steel appliances. Washer and dryer are included. The spacious primary suite features high ceilings and an ensuite bath with a walk-in shower and garden tub. Two additional bedrooms are generously sized and share a full bath. Enjoy the screened, covered patio after a long day. Located within a gated community with a pool, this home offers exceptional convenience and value. The low HOA fee includes water, trash, sewer, internet, and cable, with no CDD. This property also presents a great opportunity for investors looking to add a quality townhome to their rental portfolio. Whether you’re an experienced investor or looking to purchase your first investment property, this home offers the potential to generate rental income while benefiting from its desirable Tampa Bay location and community amenities. Conveniently located near shopping, I-75, I-4, top-rated schools, Hard Rock Casino, Costco, and more. World-famous Clearwater Beach and its beautiful white-sand beaches are approximately 45 minutes away. Don’t miss this opportunity to own a beautiful townhome in a convenient location while adding a potentially income-producing property to your real estate portfolio. Schedule your private tour today!

Ask: $249,900
Offer: $247,800
Rent: $2,296/mo
Cash flow: $1,388/mo
After debt (50% dn): $564/mo
Mortgage (50% dn): $824/mo
Tax: $340/mo
HOA: $360/mo
Insurance: $208/mo
Beds / baths: 3 / 3
Sqft: 1,513
Year built: 2005
Lot: 2,020 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)

$564/mo

Rent minus taxes, HOA, insurance, and the mortgage. That’s about 5.5% a year on the money you put in.

If you pay all cash

$1,388/mo

No mortgage payment. About 6.7% 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: $550,993
Rent leftovers stacked: $67,643
Rent + price growth: $388,414

Slow growth

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

Worth in 10 years: $302,067
Rent leftovers stacked: $67,643
Rent + price growth: $139,488

Normal growth

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

Worth in 10 years: $366,805
Rent leftovers stacked: $67,643
Rent + price growth: $204,226

Fast growth

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

Worth in 10 years: $465,155
Rent leftovers stacked: $67,643
Rent + price growth: $302,576

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

6.7%

You keep about $1,388/mo every month after bills

With this down payment

5.5%

50% down = $123,900 of your money

Cash left each month

$564/mo

After also paying the $824/mo mortgage

How much do you put down?50% · $123,900 · bank loan $123,900

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

$366,805

Your equity

$260,483

Still owe bank $106,322

Profit vs cash you put in

$204,226

Includes rent leftover + price growth

Avg return per year

10.2%

2.65× 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)

$67,643

10 years of leftover cash stacked up

From price growth

$136,583

Equity today minus the cash you put in

Total return

$204,226

On $123,900 cash in · 10.2%/yr avg

Where the money comes from (year 10)

Rent leftoversPrice growth

Year	Rent stacked	Equity gain	Total return	Avg / yr
1	$6,764	$11,171	$17,935	14.5%
2	$13,529	$22,829	$36,357	13.7%
3	$20,293	$34,997	$55,289	13.1%
4	$27,057	$47,698	$74,755	12.5%
5	$33,821	$60,958	$94,779	12.0%
6	$40,586	$74,801	$115,387	11.6%
7	$47,350	$89,256	$136,606	11.2%
8	$54,114	$104,351	$158,466	10.8%
9	$60,879	$120,116	$180,995	10.5%
10	$67,643	$136,583	$204,226	10.2%
11	$74,407	$153,785	$228,192	10.0%
12	$81,171	$171,756	$252,927	9.7%
13	$87,936	$190,533	$278,469	9.5%
14	$94,700	$210,156	$304,856	9.3%
15	$101,464	$230,664	$332,129	9.1%

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