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Rank #7TownhomeCash Flow: $1,432/mo

3 bed / 3 bath · Ruskin

Ruskin, FL 33570 · Address on request · East Tampa / 33610

This townhouse may qualify for USDA financing with 0% down for eligible buyers. No CDD and low HOA. Built in 2021, this home offers a modern, functional, and inviting design that perfectly blends style and comfort. The open-concept first floor creates a spacious and airy feel from the moment you enter. A convenient half bath is located downstairs for guests. The kitchen features granite countertops, stainless steel appliances, and a cozy dining area that is ideal for casual meals or entertaining. Upstairs, you will find three well-sized bedrooms with ample natural light. The primary bedroom includes an en-suite bathroom for added privacy and comfort. The two additional bedrooms share a full bath, making the layout ideal for family, guests, or a home office. Additional features include a one-car garage with storage space and a screened lanai in the back, perfect for relaxing or entertaining without the hassle of insects. This home combines modern amenities with comfortable living in a stylish and practical layout. Please note that some of the displayed photos are virtually staged

Ask
$249,900
Offer
$248,000
Rent
$2,190/mo
Cash flow
$1,432/mo
After debt (50% dn)
$607/mo
Mortgage (50% dn)
$825/mo
Tax
$322/mo
HOA
$228/mo
Insurance
$208/mo
Beds / baths
3 / 3
Sqft
1,796
Year built
2021
Lot
1,350 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)

$607/mo

Rent minus taxes, HOA, insurance, and the mortgage. That’s about 5.9% a year on the money you put in.

If you pay all cash

$1,432/mo

No mortgage payment. About 6.9% 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
$551,437
Rent leftovers stacked
$72,843
Rent + price growth
$393,873

Slow growth

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

Worth in 10 years
$302,311
Rent leftovers stacked
$72,843
Rent + price growth
$144,746

Normal growth

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

Worth in 10 years
$367,101
Rent leftovers stacked
$72,843
Rent + price growth
$209,536

Fast growth

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

Worth in 10 years
$465,530
Rent leftovers stacked
$72,843
Rent + price growth
$307,966

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

6.9%

You keep about $1,432/mo every month after bills

With this down payment

5.9%

50% down = $124,000 of your money

Cash left each month

$607/mo

After also paying the $825/mo mortgage

50% · $124,000 · bank loan $124,000
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.

10 years
1 yr8 yr15 yr

Estimated value then

$367,101

Your equity

$260,693

Still owe bank $106,407

Profit vs cash you put in

$209,536

Includes rent leftover + price growth

Avg return per year

10.4%

2.69× your cash back

Recent yearly price changes · Townhome

16
17
18
19
20
21
22
23
24
25

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:

  1. Rent leftovers (like a dividend) — cash you collect each year after bills and the mortgage.
  2. 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)

$72,843

10 years of leftover cash stacked up

From price growth

$136,693

Equity today minus the cash you put in

Total return

$209,536

On $124,000 cash in · 10.4%/yr avg

Where the money comes from (year 10)

Rent leftoversPrice growth
YearRent stackedEquity gainTotal returnAvg / yr
1$7,284$11,180$18,46414.9%
2$14,569$22,847$37,41614.1%
3$21,853$35,025$56,87813.4%
4$29,137$47,736$76,87412.8%
5$36,421$61,007$97,42812.3%
6$43,706$74,862$118,56711.8%
7$50,990$89,328$140,31811.4%
8$58,274$104,435$162,71011.0%
9$65,559$120,213$185,77210.7%
10$72,843$136,693$209,53610.4%
11$80,127$153,909$234,03610.1%
12$87,412$171,894$259,3069.9%
13$94,696$190,687$285,3839.6%
14$101,980$210,326$312,3069.4%
15$109,264$230,851$340,1159.2%

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

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DISCLAIMERS

Figures (taxes, HOA, insurance, rent, cash flow, offer, mortgage, and model outputs) are estimates from public data and automated models — not guarantees of value, income, or returns. Full disclaimers

Licensed solicitation by Sam Kasimalla, FL Real Estate Agent, LPT Realty LLC · Equal Housing Opportunity · Read full disclaimers · Privacy policy