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1 F
Grade
$399,900💡 🏦 DSCR 25%dn: $-1,373/mo
F
$399,900
4497 Cobblefield Cir W, Sarasota
FL
F
31
Cashflow
$-2,045/mo
CoC ROI
-71.7%
Rent Est
$2,291/mo
HUD FMR · GRM 14.5
Cap Rate
2.1%
💡 OPPORTUNITY — alternative strategies
🤝 Seller Finance: $-1,521/mo🏦 DSCR 25%dn: $-1,373/mo
🏠
F
31
$399,900
4497 Cobblefield Cir W
Sarasota · 3bd/2.0ba · Single
1,122 sf · Built 1996
$-2,045
Cash Flow
-71.7%
CoC ROI
2.1%
Cap Rate
$34,243
Cash In
Property Breakdowns
F
31
4497 Cobblefield Cir W Single
Sarasota, FL 32224 · 3bd/2.0ba · 1,122sf · Built 1996
$399,900
Asking Price
Asking Price
—
3.5% down, great for first-time buyers
Down Payment: $13,996
Loan Amount: $392,657
Fees / MIP: $6,753
Closing Costs: $11,997
Reserves (3mo): $8,249
Total Cash Needed: $34,243
Monthly Expenses
Mortgage P&I+MIP: $2,749.79
Property Tax: $649.84
Insurance: $150.00
HOA: $22.00
Maint + CapEx: $466.55
Vacancy + Mgmt: $297.89
Total: $4,336.07/mo
Returns
Market Rent (all units): $2,291
Your Rental Income: $2,291
Cashflow: $-2,045/mo
Annual: $-24,535/yr
Cash-on-Cash ROI: -71.7%
Cap Rate: 2.1% · DSCR: 0.26x
💡
CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK
This property shows $-2,045/mo negative cashflow with standard financing. Here are approaches that could turn it positive:
🤝 Seller Financing
Negotiate 10% down at 5.0% with the seller. Projected cashflow: $-1,227/mo (vs $-2,045/mo conventional).
💰 DSCR Loan (25% Down)
Higher down payment, lower rate (6.5%). Projected cashflow: $-1,191/mo — saves $854/mo.
👥 Rent by Room
Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-1,636/mo.
✈️
AIRBNB / SHORT-TERM RENTAL ANALYSIS
LEGAL
Confidence: 60%
AVG NIGHTLY
$230
OCCUPANCY
53%
GROSS / MO
$3,657
STR CASHFLOW
$-2,532/mo
STR vs LTR
-61%
BREAKEVEN OCC
83%
STR EXPENSES BREAKDOWN
Platform fees: $110
Cleaning: $509
Management (20%): $731
Utilities: $425
Taxes (12%): $439
Other: $343
Cleaning: $509
Management (20%): $731
Utilities: $425
Taxes (12%): $439
Other: $343
FURNITURE SETUP
Furniture: $7,900
Appliances: $800
Kitchen + Linens: $1,050
Electronics: $600
Decor + Supplies: $700
Total Setup: $11,350
Appliances: $800
Kitchen + Linens: $1,050
Electronics: $600
Decor + Supplies: $700
Total Setup: $11,350
🛡
LTR is safer bet
LTR: $-2,045/mo · STR: $-2,532/mo · CoC ROI: -81.3%
🏠 RENTAL COMPS
AVG MARKET RENT
$2,291/mo
RANGE
$2,291 – $2,291
CONFIDENCE
LOW
N/A
Our estimate
$2,291/mo ✅ Inline with market
No comparable rentals found in 32224
📍 NEIGHBORHOOD SCORE 🔒 Pro
▶🤖 SpillAI ANALYSIS 🔒 Pro
TOP UPGRADES BY ROI
📷 Upload photos for AI analysis
| Pri | Upgrade | Cost | Value Add | ROI |
|---|---|---|---|---|
| CRIT | New A/C System | $7,500 | +$9,750 | 130% |
| CRIT | Professional Deep Clean | $550 | +$2,750 | 500% |
| CRIT | Full Interior Paint | $3,086 | +$9,256 | 300% |
| HIGH | New Water Heater | $2,650 | +$3,445 | 130% |
| HIGH | Door/Cabinet Hardware | $475 | +$1,425 | 300% |
🔨
FIX & FLIP
High Confidence
- • Strong forced equity potential (+$48,755)
- • Excellent reno ROI (194%)
- • Aging property (1996) — renovation upside
- • Negative cashflow ($-2,045/mo) — poor rental hold
❌
IS IT WORTH IT?
NO — Walk Away
- • Heavy negative cashflow ($-2,045/mo)
- • Has flip exit strategy if hold doesn't work
🛡
NEIGHBORHOOD SAFETY
6/10
Safe
Average to below-average crime, generally safe area
31
AI Deal Score
31/100
🔴 Weak
🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →
📈 10-YEAR EQUITY PROJECTION
▶🔨 FIX & FLIP ANALYSIS
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