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1 F
Grade
$260,000💡 🏦 DSCR 25%dn: $-669/mo
F
$260,000
11750 White Horse Rd, Sarasota
FL
F
31
Cashflow
$-1,080/mo
CoC ROI
-58.2%
Rent Est
$1,821/mo
HUD FMR · GRM 11.9
Cap Rate
3.3%
💡 OPPORTUNITY — alternative strategies
🤝 Seller Finance: $-766/mo🏦 DSCR 25%dn: $-669/mo
🏠
F
31
$260,000
11750 White Horse Rd
Sarasota · 2bd/2.0ba · Single
1,052 sf · Built 1985
$-1,080
Cash Flow
-58.2%
CoC ROI
3.3%
Cap Rate
$22,263
Cash In
Property Breakdowns
F
31
11750 White Horse Rd Single
Sarasota, FL 32246 · 2bd/2.0ba · 1,052sf · Built 1985
$260,000
Asking Price
Asking Price
—
3.5% down, great for first-time buyers
Down Payment: $9,100
Loan Amount: $255,291
Fees / MIP: $4,391
Closing Costs: $7,800
Reserves (3mo): $5,363
Total Cash Needed: $22,263
Monthly Expenses
Mortgage P&I+MIP: $1,787.82
Property Tax: $422.50
Insurance: $150.00
HOA: $0.00
Maint + CapEx: $303.34
Vacancy + Mgmt: $236.71
Total: $2,900.36/mo
Returns
Market Rent (all units): $1,821
Your Rental Income: $1,821
Cashflow: $-1,080/mo
Annual: $-12,954/yr
Cash-on-Cash ROI: -58.2%
Cap Rate: 3.3% · DSCR: 0.40x
💡
CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK
This property shows $-1,080/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: $-548/mo (vs $-1,080/mo conventional).
💰 DSCR Loan (25% Down)
Higher down payment, lower rate (6.5%). Projected cashflow: $-524/mo — saves $555/mo.
✈️
AIRBNB / SHORT-TERM RENTAL ANALYSIS
LEGAL
Confidence: 60%
AVG NIGHTLY
$170
OCCUPANCY
57%
GROSS / MO
$2,907
STR CASHFLOW
$-1,621/mo
STR vs LTR
-68%
BREAKEVEN OCC
81%
STR EXPENSES BREAKDOWN
Platform fees: $87
Cleaning: $462
Management (20%): $581
Utilities: $350
Taxes (12%): $349
Other: $278
Cleaning: $462
Management (20%): $581
Utilities: $350
Taxes (12%): $349
Other: $278
FURNITURE SETUP
Furniture: $6,100
Appliances: $800
Kitchen + Linens: $900
Electronics: $600
Decor + Supplies: $700
Total Setup: $9,400
Appliances: $800
Kitchen + Linens: $900
Electronics: $600
Decor + Supplies: $700
Total Setup: $9,400
🛡
LTR is safer bet
LTR: $-1,080/mo · STR: $-1,621/mo · CoC ROI: -73.9%
🏠 RENTAL COMPS
AVG MARKET RENT
$1,820/mo
RANGE
$1,820 – $1,820
CONFIDENCE
LOW
N/A
Our estimate
$1,820/mo ✅ Inline with market
No comparable rentals found in 32246
📍 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 | Electrical Panel Upgrade | $4,500 | +$5,400 | 120% |
| CRIT | Full Re-Pipe | $9,000 | +$9,900 | 110% |
| CRIT | Professional Deep Clean | $550 | +$2,750 | 500% |
| CRIT | Full Interior Paint | $2,893 | +$8,679 | 300% |
🔨
FIX & FLIP
High Confidence
- • Strong forced equity potential (+$55,226)
- • Excellent reno ROI (178%)
- • Older build (1985) — high value-add potential
- • Negative cashflow ($-1,080/mo) — poor rental hold
❌
IS IT WORTH IT?
NO — Walk Away
- • Heavy negative cashflow ($-1,080/mo)
- • Low barrier to entry ($22,263 cash needed)
- • 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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