Rank #2TownhomeCash Flow: $1,595/mo

3 bed / 3 bath · Gibsonton

Gibsonton, FL 33534 · Address on request

Built in 2023, this one-owner 3-bedroom, 2.5-bath townhome in Dug Creek offers 1,471 heated sq. ft., a 1-car garage, low HOA, and no CDD. Luxury vinyl plank flooring extends throughout the first floor, where an open layout connects the kitchen, dining, and living areas. The kitchen features stainless steel appliances, granite countertops, generous workspace, and an open design that keeps it connected to the main living area. Upstairs, the owner's suite features a walk-in closet and ensuite tub and shower. Two additional bedrooms provide flexible space for guests, a home office, or everyday needs. The washer and dryer convey and are conveniently located upstairs. A garage door opener and Blink video doorbell camera provide added everyday convenience. The HOA includes grounds maintenance, adding convenience to the low-HOA, no-CDD community. Short sale. Sale is subject to third-party/lender approval. Property being sold as-is. Located in Gibsonton near Apollo Beach, the home offers convenient access to everyday shopping, dining, and recreation. Nearby options include Publix, Sam's Club, Walmart Neighborhood Market, Tiki Docks, Riverview Tap House, and Chipotle. For access to the water, Riverview Marina is within 5 miles

Ask: $229,000
Offer: $225,100
Rent: $2,369/mo
Cash flow: $1,595/mo
After debt (50% dn): $846/mo
Mortgage (50% dn): $749/mo
Tax: $323/mo
HOA: $260/mo
Insurance: $191/mo
Beds / baths: 3 / 3
Sqft: 1,471
Year built: 2023
Lot: 1,922 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)

$846/mo

Rent minus taxes, HOA, insurance, and the mortgage. That’s about 9.0% a year on the money you put in.

If you pay all cash

$1,595/mo

No mortgage payment. About 8.5% 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: $500,518
Rent leftovers stacked: $101,544
Rent + price growth: $392,931

Slow growth

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

Worth in 10 years: $274,396
Rent leftovers stacked: $101,544
Rent + price growth: $166,808

Normal growth

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

Worth in 10 years: $333,203
Rent leftovers stacked: $101,544
Rent + price growth: $225,615

Fast growth

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

Worth in 10 years: $422,544
Rent leftovers stacked: $101,544
Rent + price growth: $314,956

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

8.5%

You keep about $1,595/mo every month after bills

With this down payment

9.0%

50% down = $112,550 of your money

Cash left each month

$846/mo

After also paying the $749/mo mortgage

How much do you put down?50% · $112,550 · bank loan $112,550

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

$333,203

Your equity

$236,621

Still owe bank $96,582

Profit vs cash you put in

$225,615

Includes rent leftover + price growth

Avg return per year

11.6%

3.00× 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)

$101,544

10 years of leftover cash stacked up

From price growth

$124,071

Equity today minus the cash you put in

Total return

$225,615

On $112,550 cash in · 11.6%/yr avg

Where the money comes from (year 10)

Rent leftoversPrice growth

Year	Rent stacked	Equity gain	Total return	Avg / yr
1	$10,154	$10,147	$20,302	18.0%
2	$20,309	$20,737	$41,046	16.8%
3	$30,463	$31,791	$62,254	15.8%
4	$40,618	$43,329	$83,946	14.9%
5	$50,772	$55,373	$106,146	14.2%
6	$60,927	$67,949	$128,876	13.6%
7	$71,081	$81,080	$152,161	13.0%
8	$81,235	$94,792	$176,027	12.5%
9	$91,390	$109,113	$200,503	12.0%
10	$101,544	$124,071	$225,615	11.6%
11	$111,699	$139,697	$251,396	11.3%
12	$121,853	$156,022	$277,875	10.9%
13	$132,008	$173,079	$305,087	10.6%
14	$142,162	$190,905	$333,066	10.3%
15	$152,316	$209,534	$361,851	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.