Rank #5Single Family HomeCash Flow: $2,387/mo

5 bed / 3 bath · Gibsonton

Gibsonton, FL 33534 · Address on request

PRICE IMPROVEMENT!!! First floor bedroom and bathroom! SELLER WILL CONTRIBUTE TOWARDS A RATE BUY DOWN with an acceptable offer! Welcome to an exceptional opportunity in Carriage Pointe! This spacious 5-bedroom, 3-bath home offers 2,674 square feet of flexible living space on a desirable corner lot. Designed for both everyday living and entertaining, the open floor plan features a generous kitchen with a large island, spacious living and dining areas, and a first-floor bedroom with a full bath—perfect for guests, a home office, or multigenerational living. Upstairs, you'll find a spacious primary suite with an ensuite bath, additional bedrooms, and flexible living space that can adapt to your lifestyle. The oversized backyard and corner-lot setting provide plenty of room to enjoy Florida outdoor living. Located in desirable Carriage Pointe, residents enjoy a community pool, playground, tennis courts, walking trails, and convenient access to I-75, shopping, dining, and area amenities. AC replaced in 2023 and water heater replaced in 2025. Seller is offering to contribute toward buyer closing costs and/or an interest-rate buydown with an acceptable offer. With five bedrooms, three full baths, generous living space, a two-car garage, and an attractive new price, this home is an opportunity you won't want to miss!

Ask: $384,900
Offer: $380,700
Rent: $3,311/mo
Cash flow: $2,387/mo
After debt (50% dn): $1,121/mo
Mortgage (50% dn): $1,266/mo
Tax: $592/mo
HOA: $11/mo
Insurance: $321/mo
Beds / baths: 5 / 3
Sqft: 2,674
Year built: 2017
Lot: 7,236 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)

$1,121/mo

Rent minus taxes, HOA, insurance, and the mortgage. That’s about 7.1% a year on the money you put in.

If you pay all cash

$2,387/mo

No mortgage payment. About 7.5% 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: $937,509
Rent leftovers stacked: $134,472
Rent + price growth: $718,287

Slow growth

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

Worth in 10 years: $487,328
Rent leftovers stacked: $134,472
Rent + price growth: $268,106

Normal growth

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

Worth in 10 years: $591,215
Rent leftovers stacked: $134,472
Rent + price growth: $371,993

Fast growth

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

Worth in 10 years: $748,895
Rent leftovers stacked: $134,472
Rent + price growth: $529,672

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

7.5%

You keep about $2,387/mo every month after bills

With this down payment

7.1%

50% down = $190,350 of your money

Cash left each month

$1,121/mo

After also paying the $1,266/mo mortgage

How much do you put down?50% · $190,350 · bank loan $190,350

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

$591,215

Your equity

$427,872

Still owe bank $163,344

Profit vs cash you put in

$371,993

Includes rent leftover + price growth

Avg return per year

11.4%

2.95× 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)

$134,472

10 years of leftover cash stacked up

From price growth

$237,522

Equity today minus the cash you put in

Total return

$371,993

On $190,350 cash in · 11.4%/yr avg

Where the money comes from (year 10)

Rent leftoversPrice growth

Year	Rent stacked	Equity gain	Total return	Avg / yr
1	$13,447	$19,065	$32,512	17.1%
2	$26,894	$39,041	$65,935	16.0%
3	$40,341	$59,972	$100,314	15.2%
4	$53,789	$81,906	$135,695	14.4%
5	$67,236	$104,892	$172,128	13.7%
6	$80,683	$128,982	$209,665	13.2%
7	$94,130	$154,231	$248,361	12.7%
8	$107,577	$180,696	$288,274	12.2%
9	$121,024	$208,439	$329,463	11.8%
10	$134,472	$237,522	$371,993	11.4%
11	$147,919	$268,012	$415,931	11.1%
12	$161,366	$299,981	$461,347	10.8%
13	$174,813	$333,502	$508,315	10.5%
14	$188,260	$368,653	$556,913	10.3%
15	$201,707	$405,517	$607,225	10.0%

Tip: change the down-payment slider in Model 1 and the years / growth buttons in Model 2 — this total-return table updates automatically.