Rank #6Single Family HomeCash Flow: $2,196/mo

6 bed / 3 bath · Apollo Beach

Apollo Beach, FL 33572 · Address on request · East Tampa / 33610

***PRICE REDUCTION*** Welcome to this spacious 6-bedroom, 3-full-bath home with a 2-car garage offering exceptional space, flexibility, and value for its next owner! Why settle for less space when you can have 6 bedrooms, 3 full baths, a loft, and room to grow? Fresh interior paint gives the home a bright, refreshed feel, while the brand-new roof adds lasting value and peace of mind. The new roof was installed to meet current Florida building requirements and is rated for wind speeds up to 160 mph. The open-concept kitchen overlooks the living and dining areas and features a large center island, generous walk-in pantry, and plenty of counter space for everyday living and entertaining. Need flexibility? A first-floor bedroom and full bath provide an excellent setup for guests, multi-generational living, or a private home office. Upstairs, you'll find a versatile loft, spacious primary suite with walk-in closet and en-suite bath, plus four additional bedrooms. Enjoy access to the community pool and a convenient location near shopping, dining, schools, and major commuter routes. With a NEW PRICE, NEW ROOF, fresh interior paint, and plenty of space, this home is ready for its next owner. Schedule your showing today! This property comes with a 2-1 rate buydown, reducing the buyer’s interest rate by 2% for the first year of their loan and 1% the second year. Buyer is not obligated to use Matt Weaver of CrossCountry Mortgage to have offer accepted however must use Matt Weaver to receive the buydown. The Matt Weaver Team can issue loan approvals in as little as 5 days and close in 10. Restrictions apply. Matt Weaver NMLS175651

Ask: $349,999
Offer: $348,000
Rent: $3,328/mo
Cash flow: $2,196/mo
After debt (50% dn): $1,038/mo
Mortgage (50% dn): $1,158/mo
Tax: $786/mo
HOA: $54/mo
Insurance: $292/mo
Beds / baths: 6 / 3
Sqft: 2,614
Year built: 2019
Lot: 6,455 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)

$1,038/mo

Rent minus taxes, HOA, insurance, and the mortgage. That’s about 7.2% a year on the money you put in.

If you pay all cash

$2,196/mo

No mortgage payment. About 7.6% 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: $856,982
Rent leftovers stacked: $124,605
Rent + price growth: $658,274

Slow growth

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

Worth in 10 years: $445,469
Rent leftovers stacked: $124,605
Rent + price growth: $246,761

Normal growth

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

Worth in 10 years: $540,433
Rent leftovers stacked: $124,605
Rent + price growth: $341,725

Fast growth

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

Worth in 10 years: $684,569
Rent leftovers stacked: $124,605
Rent + price growth: $485,860

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

7.6%

You keep about $2,196/mo every month after bills

With this down payment

7.2%

50% down = $174,000 of your money

Cash left each month

$1,038/mo

After also paying the $1,158/mo mortgage

How much do you put down?50% · $174,000 · bank loan $174,000

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.

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

$540,433

Your equity

$391,120

Still owe bank $149,314

Profit vs cash you put in

$341,725

Includes rent leftover + price growth

Avg return per year

11.5%

2.96× 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)

$124,605

10 years of leftover cash stacked up

From price growth

$217,120

Equity today minus the cash you put in

Total return

$341,725

On $174,000 cash in · 11.5%/yr avg

Where the money comes from (year 10)

Rent leftoversPrice growth

Year	Rent stacked	Equity gain	Total return	Avg / yr
1	$12,460	$17,428	$29,888	17.2%
2	$24,921	$35,687	$60,608	16.1%
3	$37,381	$54,821	$92,202	15.2%
4	$49,842	$74,871	$124,713	14.5%
5	$62,302	$95,882	$158,185	13.8%
6	$74,763	$117,903	$192,666	13.2%
7	$87,223	$140,983	$228,207	12.7%
8	$99,684	$165,176	$264,859	12.3%
9	$112,144	$190,535	$302,679	11.8%
10	$124,605	$217,120	$341,725	11.5%
11	$137,065	$244,991	$382,057	11.1%
12	$149,526	$274,214	$423,740	10.8%
13	$161,986	$304,856	$466,842	10.5%
14	$174,447	$336,988	$511,435	10.3%
15	$186,907	$370,685	$557,593	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.

East Tampa / 33610 · Greater Tampa