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2 F
Grade
$689,000💡 🏦 DSCR 25%dn: $-3,021/mo
F
$689,000
4120 W Northa St #6, Tampa
FL
F
24
Cashflow
$-4,070/mo
CoC ROI
-61.5%
Rent Est
$3,430/mo
HUD FMR · GRM 16.7
Cap Rate
0.9%
💡 OPPORTUNITY — alternative strategies
🤝 Seller Finance: $-3,276/mo🏦 DSCR 25%dn: $-3,021/mo
$359,000💡 🏦 DSCR 25%dn: $-1,534/mo
F
$359,000
106 S Habana Ave #7, Tampa
FL
F
24
Cashflow
$-2,147/mo
CoC ROI
-83.8%
Rent Est
$1,923/mo
HUD FMR · GRM 15.6
Cap Rate
1.1%
💡 OPPORTUNITY — alternative strategies
🤝 Seller Finance: $-1,667/mo🏦 DSCR 25%dn: $-1,534/mo
🏠
F
24
$689,000
4120 W Northa St #6
Tampa · 4bd/3.5ba · Single
2,038 sf · Built 2024
$-4,070
Cash Flow
-61.5%
CoC ROI
0.9%
Cap Rate
$79,437
Cash In
🏠
F
24
$359,000
106 S Habana Ave #7
Tampa · 2bd/1.5ba · Single
1,020 sf · Built 1983
$-2,147
Cash Flow
-83.8%
CoC ROI
1.1%
Cap Rate
$30,741
Cash In
Property Breakdowns
F
24
4120 W Northa St #6 Single
Tampa, FL 33609 · 4bd/3.5ba · 2,038sf · Built 2024
$689,000
Asking Price
Asking Price
—
3.5% down, great for first-time buyers
Down Payment: $45,000
Loan Amount: $655,270
Fees / MIP: $11,270
Closing Costs: $20,670
Reserves (3mo): $13,767
Total Cash Needed: $79,437
Monthly Expenses
Mortgage P&I+MIP: $4,588.89
Property Tax: $1,119.62
Insurance: $271.73
HOA: $270.00
Maint + CapEx: $803.84
Vacancy + Mgmt: $445.90
Total: $7,499.98/mo
Returns
Market Rent (all units): $3,430
Your Rental Income: $3,430
Cashflow: $-4,070/mo
Annual: $-48,840/yr
Cash-on-Cash ROI: -61.5%
Cap Rate: 0.9% · DSCR: 0.11x
💡
CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK
This property shows $-4,070/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: $-2,810/mo (vs $-4,070/mo conventional).
💰 DSCR Loan (25% Down)
Higher down payment, lower rate (6.5%). Projected cashflow: $-2,747/mo — saves $1,323/mo.
👥 Rent by Room
Rent 4 rooms at ~$900/room = $3,600/mo. Projected cashflow: $-3,900/mo.
✈️
AIRBNB / SHORT-TERM RENTAL ANALYSIS
LEGAL
Confidence: 60%
AVG NIGHTLY
$300
OCCUPANCY
50%
GROSS / MO
$4,500
STR CASHFLOW
$-4,899/mo
STR vs LTR
-68%
BREAKEVEN OCC
99%
STR EXPENSES BREAKDOWN
Platform fees: $135
Cleaning: $555
Management (20%): $900
Utilities: $500
Taxes (12%): $540
Other: $410
Cleaning: $555
Management (20%): $900
Utilities: $500
Taxes (12%): $540
Other: $410
FURNITURE SETUP
Furniture: $9,700
Appliances: $800
Kitchen + Linens: $1,200
Electronics: $600
Decor + Supplies: $700
Total Setup: $13,300
Appliances: $800
Kitchen + Linens: $1,200
Electronics: $600
Decor + Supplies: $700
Total Setup: $13,300
🛡
LTR is safer bet
LTR: $-4,070/mo · STR: $-4,899/mo · CoC ROI: -74.4%
🏠 RENTAL COMPS
AVG MARKET RENT
$3,429/mo
RANGE
$3,429 – $3,429
CONFIDENCE
LOW
N/A
Our estimate
$3,429/mo ✅ Inline with market
No comparable rentals found in 33609
📍 NEIGHBORHOOD SCORE 🔒 Pro
▶🤖 SpillAI ANALYSIS 🔒 Pro
TOP UPGRADES BY ROI
📷 Upload photos for AI analysis
| Pri | Upgrade | Cost | Value Add | ROI |
|---|---|---|---|---|
| CRIT | Professional Deep Clean | $550 | +$2,750 | 500% |
| CRIT | Full Interior Paint | $5,604 | +$16,814 | 300% |
| HIGH | Door/Cabinet Hardware | $475 | +$1,425 | 300% |
🔨
FIX & FLIP
High Confidence
- • Excellent reno ROI (317%)
- • Negative cashflow ($-4,070/mo) — poor rental hold
- • Low cap rate area — better flip than hold
❌
IS IT WORTH IT?
NO — Walk Away
- • Heavy negative cashflow ($-4,070/mo)
- • High cash requirement ($79,437)
🛡
NEIGHBORHOOD SAFETY
7/10
Safe
Average to below-average crime, generally safe area
24
AI Deal Score
24/100
❌ Skip
🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Hillsborough County Property Appraiser →
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Hillsborough County Property Appraiser →
📈 10-YEAR EQUITY PROJECTION
▶🔨 FIX & FLIP ANALYSIS
▶
F
24
106 S Habana Ave #7 Single
Tampa, FL 33609 · 2bd/1.5ba · 1,020sf · Built 1983
$359,000
Asking Price
Asking Price
—
3.5% down, great for first-time buyers
Down Payment: $12,565
Loan Amount: $352,498
Fees / MIP: $6,063
Closing Costs: $10,770
Reserves (3mo): $7,406
Total Cash Needed: $30,741
Monthly Expenses
Mortgage P&I+MIP: $2,468.55
Property Tax: $583.38
Insurance: $150.00
HOA: $200.00
Maint + CapEx: $418.84
Vacancy + Mgmt: $250.03
Total: $4,070.79/mo
Returns
Market Rent (all units): $1,923
Your Rental Income: $1,923
Cashflow: $-2,147/mo
Annual: $-25,770/yr
Cash-on-Cash ROI: -83.8%
Cap Rate: 1.1% · DSCR: 0.13x
💡
CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK
This property shows $-2,147/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: $-1,413/mo (vs $-2,147/mo conventional).
💰 DSCR Loan (25% Down)
Higher down payment, lower rate (6.5%). Projected cashflow: $-1,381/mo — saves $767/mo.
✈️
AIRBNB / SHORT-TERM RENTAL ANALYSIS
LEGAL
Confidence: 60%
AVG NIGHTLY
$170
OCCUPANCY
57%
GROSS / MO
$2,907
STR CASHFLOW
$-2,662/mo
STR vs LTR
-69%
BREAKEVEN OCC
100%
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: $-2,147/mo · STR: $-2,662/mo · CoC ROI: -97.6%
🏠 RENTAL COMPS
AVG MARKET RENT
$1,923/mo
RANGE
$1,923 – $1,923
CONFIDENCE
LOW
N/A
Our estimate
$1,923/mo ✅ Inline with market
No comparable rentals found in 33609
📍 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 | $2,805 | +$8,415 | 300% |
🔨
FIX & FLIP
High Confidence
- • Strong forced equity potential (+$50,688)
- • Excellent reno ROI (178%)
- • Older build (1983) — high value-add potential
- • Negative cashflow ($-2,147/mo) — poor rental hold
❌
IS IT WORTH IT?
NO — Walk Away
- • Heavy negative cashflow ($-2,147/mo)
- • Has flip exit strategy if hold doesn't work
🛡
NEIGHBORHOOD SAFETY
7/10
Safe
Average to below-average crime, generally safe area
24
AI Deal Score
24/100
❌ Skip
🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Hillsborough County Property Appraiser →
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Hillsborough County Property Appraiser →
📈 10-YEAR EQUITY PROJECTION
▶🔨 FIX & FLIP ANALYSIS
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