SpillDeals is a free real estate deal finder for Florida investors. Every property listing is automatically analyzed with cash flow projections, cap rate, ROI grade (A through F), and house hack scenarios. Updated daily with live FL listings.

What is a good cap rate for investment property in Florida?

A good cap rate in Florida is typically 5-8% for residential investment properties. In Miami-Dade, cap rates of 5-6% are common due to high appreciation. In markets like Hialeah, Homestead, and Opa-locka, you can find 7-9% cap rates. SpillDeals grades every property A through F based on cash flow, cap rate, and ROI so you can instantly identify the best deals.

What does an A-grade property mean on SpillDeals?

An A-grade property on SpillDeals is a top-tier investment with strong positive cash flow, a cap rate above 7%, and excellent ROI relative to the market. These are the rarest deals — typically cash flowing $500+/month after all expenses including mortgage, taxes, insurance, and maintenance.

How does SpillDeals analyze properties?

SpillDeals automatically calculates monthly cash flow, cap rate, cash-on-cash return, and overall ROI for every property using current market rent estimates, property taxes, insurance, HOA fees, and a 30-year fixed mortgage at current rates. It also models house hack scenarios for multi-unit properties and FHA loan scenarios for owner-occupants.

Is SpillDeals free to use?

Yes. SpillDeals is free to sign up and use. Free users can view C, D, and F-grade properties with full analysis. Pro users ($67/month, or $33.25/month billed annually as $399/yr) unlock all A and B-grade deals — the highest cash-flowing properties in Florida — plus unlimited access, deal alerts, advanced filters, and a 14-day free trial.

What is cash-on-cash return for real estate?

Cash-on-cash return (CoC ROI) measures your annual cash flow divided by the total cash you invested (down payment + closing costs). For example, if you invested $60,000 to buy a rental and it generates $6,000 in annual cash flow, your CoC ROI is 10%. SpillDeals calculates this automatically on every property using current mortgage rates and market rent estimates.

How do I find Section 8 investment properties in Florida?

Section 8 (Housing Choice Voucher) properties in Florida are regular rental properties that accept government-subsidized tenants. To find them: filter by the Section 8 tab on SpillDeals, which shows properties where HUD Fair Market Rents in that zip code exceed the estimated market rent — meaning Section 8 can pay you above-market rent. Jacksonville, Tampa, and Miami-Dade have the strongest Section 8 rental demand.

What is a DSCR loan and how does it work for Florida investors?

A DSCR (Debt Service Coverage Ratio) loan lets real estate investors qualify based on rental income instead of personal income or W-2s. The property must generate enough rent to cover 1.0–1.25x the monthly mortgage payment. DSCR loans are ideal for self-employed investors and those with multiple properties. Current DSCR rates in Florida range from 6.25%–7.50%. SpillDeals calculates DSCR for every property automatically.

What is the 1% rule for rental properties, and does it still work in Florida?

The 1% rule states that a rental property's monthly rent should equal at least 1% of its purchase price. For example, a $200,000 home should rent for $2,000/month. In Florida's current market (2026), the 1% rule is hard to hit in most coastal markets but achievable in Jacksonville, parts of Tampa, and smaller markets like Daytona Beach and Lakeland. SpillDeals shows the rent-to-price ratio on every listing so you can spot these deals instantly.

How often are properties updated on SpillDeals?

SpillDeals pulls live listing data from MLS and public sources daily. The scraper runs every 20–30 minutes, continuously ingesting new listings and updating prices. New properties are automatically analyzed and graded within minutes of appearing. Pro users get priority access to new listings as they hit the database.

Can I use SpillDeals to find fix and flip properties in Florida?

Yes. SpillDeals has a dedicated Flip tab that shows properties with high ARV (after-repair value) potential. The analysis estimates rehab costs, projected resale price, and profit margin on every fix-and-flip opportunity. Filter by condition, grade, and maximum renovation budget to find deals that fit your criteria.

What Florida cities have the best rental property cash flow in 2026?

The top Florida cities for rental cash flow in 2026 are: 1) Jacksonville (7.2% avg cap rate, strong rent-to-price ratio), 2) Tampa East/Sulphur Springs (6.8% cap rate, affordable duplexes), 3) Orlando/Kissimmee (6.5% cap rate, STR demand), 4) Fort Myers/Cape Coral (6.1% cap rate, post-hurricane buying opportunities), and 5) Miami/Hialeah (5.8% cap rate, strong appreciation). SpillDeals shows live deals from all of these markets.

What is house hacking and how does it work in Florida?

House hacking means buying a multi-unit property (duplex, triplex, or fourplex), living in one unit, and renting the others. The rental income covers your mortgage — often making your housing free or profitable. In Florida, FHA loans let you buy a 2-4 unit property with just 3.5% down, as long as you live in one unit. SpillDeals shows house hack scenarios on all multi-unit properties, including estimated rent from the other units and net housing cost.

SpillDeals | FL Investment Property Deals — Graded A-F

FL 🌴 Miami ⛵ Fort Lauderdale 🏌️ Palm Beach 🌉 Tampa 🎡 Orlando 🏙️ Jacksonville 🦅 Naples 🎨 Sarasota 🚤 Cape Coral 🌊 Port St Lucie 🏎️ Daytona Beach 🎓 Gainesville 🐎 Ocala 🏛️ Tallahassee 🏖️ Pensacola 🦢 Lakeland

Quick Filter:

All Multi-Unit Single Search results for “Tampa”

20 of 20 properties · ✕ Clear filters · Search: “Tampa” — 20 result(s)

20 F

Deal gradesA — 12%+ ROI 🔒B — 8%+ ROI 🔒C — 5%+ ROI ✓ FreeA & B unlock with Pro

⚡ Go Pro

Grade

Cash+ only

$185,000💡 🏦 DSCR 25%dn: $-545/mo

$185,000

10203 Courtney Palms Blvd #103, Tampa

2bd2ba Single1,095sf $169/sf Built 2003

Cashflow

$-794/mo

CoC ROI

-60.2%

Rent Est

$1,832/mo

HUD FMR · GRM 8.4

Cap Rate

3.1%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-614/mo🏦 DSCR 25%dn: $-545/mo

🏠 Listing

$299,900💡 🏦 DSCR 25%dn: $-670/mo

$299,900

10914 N 22nd St, Tampa

3bd2ba Single1,189sf $252/sf Built 1961

Cashflow

$-1,134/mo

CoC ROI

-53.0%

Rent Est

$2,211/mo

HUD FMR · GRM 11.3

Cap Rate

3.7%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-781/mo🏦 DSCR 25%dn: $-670/mo

🏠 Listing

$300,000💡 🏦 DSCR 25%dn: $-771/mo

$300,000

14925 Fisher Rd, Tampa

🏘️ S8 +2%

3bd1ba Single983sf $305/sf Built 1959

Cashflow

$-1,246/mo

CoC ROI

-58.2%

Rent Est

$2,074/mo

HUD FMR · GRM 12.1

Cap Rate

3.3%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-881/mo🏦 DSCR 25%dn: $-771/mo

🏠 Listing

$349,999💡 🏦 DSCR 25%dn: $-762/mo

$349,999

7412 Kingston Dr, Tampa

4bd2ba Single1,453sf $241/sf Built 1971

Cashflow

$-1,301/mo

CoC ROI

-52.1%

Rent Est

$2,617/mo

HUD FMR · GRM 11.1

Cap Rate

3.8%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-891/mo🏦 DSCR 25%dn: $-762/mo

🏠 Listing

$389,999💡 🏦 DSCR 25%dn: $-799/mo

$389,999

5116 Serena Dr, Tampa

4bd3ba Single2,025sf $193/sf Built 1984

Cashflow

$-1,389/mo

CoC ROI

-49.9%

Rent Est

$3,048/mo

HUD FMR · GRM 10.7

Cap Rate

4.0%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-944/mo🏦 DSCR 25%dn: $-799/mo

🏠 Listing

$349,900💡 🏦 DSCR 25%dn: $-1,031/mo

$349,900

1508 W Hamilton Ave, Tampa

3bd1ba Single1,108sf $316/sf Built 1962

Cashflow

$-1,602/mo

CoC ROI

-64.2%

Rent Est

$2,220/mo

HUD FMR · GRM 13.1

Cap Rate

2.8%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,161/mo🏦 DSCR 25%dn: $-1,031/mo

🏠 Listing

$395,000💡 🏦 DSCR 25%dn: $-1,294/mo

$395,000

11715 N 51st St, Tampa

2bd2ba Single1,689sf $234/sf Built 1957

Cashflow

$-1,945/mo

CoC ROI

-69.0%

Rent Est

$2,413/mo

HUD FMR · GRM 13.6

Cap Rate

2.3%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,439/mo🏦 DSCR 25%dn: $-1,294/mo

🏠 Listing

$430,000💡 🏦 DSCR 25%dn: $-1,424/mo

$430,000

4601 N Emerald Ave, Tampa

3bd2ba Single1,439sf $299/sf Built 1958

Cashflow

$-2,139/mo

CoC ROI

-69.7%

Rent Est

$2,540/mo

HUD FMR · GRM 14.1

Cap Rate

2.3%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,583/mo🏦 DSCR 25%dn: $-1,424/mo

🏠 Listing

$359,000💡 🏦 DSCR 25%dn: $-1,534/mo

$359,000

106 S Habana Ave #7, Tampa

2bd2ba Single1,020sf $352/sf Built 1983

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

🏠 Listing

$419,900💡 🏦 DSCR 25%dn: $-1,447/mo

$419,900

907 Leisure Ave, Tampa

3bd3ba Single1,212sf $346/sf Built 1959

Cashflow

$-2,154/mo

CoC ROI

-71.9%

Rent Est

$2,376/mo

HUD FMR · GRM 14.7

Cap Rate

2.1%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,602/mo🏦 DSCR 25%dn: $-1,447/mo

🏠 Listing

$440,000💡 🏦 DSCR 25%dn: $-1,492/mo

$440,000

7110 Hollowell Dr, Tampa

3bd2ba Single1,482sf $297/sf Built 1986

Cashflow

$-2,226/mo

CoC ROI

-70.9%

Rent Est

$2,581/mo

HUD FMR · GRM 14.2

Cap Rate

2.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,655/mo🏦 DSCR 25%dn: $-1,492/mo

🏠 Listing

$425,000💡 🏦 DSCR 25%dn: $-1,550/mo

$425,000

1911 W Cherry St, Tampa

3bd2ba Single1,056sf $402/sf Built 1976

Cashflow

$-2,276/mo

CoC ROI

-75.0%

Rent Est

$2,279/mo

HUD FMR · GRM 15.5

Cap Rate

1.8%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,707/mo🏦 DSCR 25%dn: $-1,550/mo

🏠 Listing

$500,000💡 🏦 DSCR 25%dn: $-1,566/mo

$500,000

11904 Trevino Pl, Tampa

4bd2ba Single1,957sf $255/sf Built 1982

Cashflow

$-2,383/mo

CoC ROI

-66.8%

Rent Est

$3,140/mo

HUD FMR · GRM 13.3

Cap Rate

2.5%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,751/mo🏦 DSCR 25%dn: $-1,566/mo

🏠 Listing

$449,900💡 🏦 DSCR 25%dn: $-1,794/mo

$449,900

10606 Drayton Ct, Tampa

3bd2ba Single1,537sf $293/sf Built 2000

Cashflow

$-2,544/mo

CoC ROI

-79.3%

Rent Est

$2,630/mo

HUD FMR · GRM 14.3

Cap Rate

1.5%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,960/mo🏦 DSCR 25%dn: $-1,794/mo

🏠 Listing

$535,000💡 🏦 DSCR 25%dn: $-1,798/mo

$535,000

18507 Country Crest Pl, Tampa

3bd2ba Single2,371sf $226/sf Built 1994

Cashflow

$-2,677/mo

CoC ROI

-70.1%

Rent Est

$3,291/mo

HUD FMR · GRM 13.5

Cap Rate

2.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,995/mo🏦 DSCR 25%dn: $-1,798/mo

🏠 Listing

$515,000💡 🏦 DSCR 25%dn: $-1,870/mo

$515,000

1409 W Wood St, Tampa

3bd2ba Single1,720sf $299/sf Built 2023

Cashflow

$-2,744/mo

CoC ROI

-74.7%

Rent Est

$2,833/mo

HUD FMR · GRM 15.1

Cap Rate

1.9%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,060/mo🏦 DSCR 25%dn: $-1,870/mo

🏠 Listing

$605,000💡 🏦 DSCR 25%dn: $-2,154/mo

$605,000

7415 S Elliott St, Tampa

5bd4ba Single2,160sf $280/sf Built 2007

Cashflow

$-3,174/mo

CoC ROI

-73.5%

Rent Est

$3,406/mo

HUD FMR · GRM 14.8

Cap Rate

2.0%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,377/mo🏦 DSCR 25%dn: $-2,154/mo

🏠 Listing

$699,999💡 🏦 DSCR 25%dn: $-2,828/mo

$699,999

1505 W Arch St #2, Tampa

3bd2ba Single2,365sf $296/sf Built 2026

Cashflow

$-3,819/mo

CoC ROI

-50.5%

Rent Est

$3,493/mo

HUD FMR · GRM 16.7

Cap Rate

1.3%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,086/mo🏦 DSCR 25%dn: $-2,828/mo

🏠 Listing

$689,000💡 🏦 DSCR 25%dn: $-3,021/mo

$689,000

4120 W Northa St #6, Tampa

4bd4ba Single2,038sf $338/sf Built 2024

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

🏠 Listing

$525,000💡 🏦 DSCR 25%dn: $-3,463/mo

$525,000

777 N Ashley Dr #1010, Tampa

1bd1ba Single846sf $621/sf Built 2007

Cashflow

$-4,430/mo

CoC ROI

-118.3%

Rent Est

$1,925/mo

HUD FMR · GRM 22.7

Cap Rate

-1.9%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,657/mo🏦 DSCR 25%dn: $-3,463/mo

🏠 Listing

#	Grade	Type	Property	Price	Rent	Cash In	CF/mo	ROI	Your Cost	Flip Equity
1	F	Single	5116 Serena Dr Tampa · 4bd/3.0ba · 2,025sf · 1984	$389,999	$3,048	$33,395	$-1,389	-49.9%	$3,910/mo	$72,984
2	F	Single	1505 W Arch St #2 Tampa · 3bd/2.5ba · 2,365sf · 2026	$699,999	$3,493	$90,766	$-3,819	-50.5%	$6,625/mo	$16,158
3	F	Single	7412 Kingston Dr Tampa · 4bd/2.0ba · 1,453sf · 1971	$349,999	$2,617	$29,970	$-1,301	-52.1%	$3,461/mo	$63,940
4	F	Single	10914 N 22nd St Tampa · 3bd/1.5ba · 1,189sf · 1961	$299,900	$2,211	$25,680	$-1,134	-53.0%	$2,958/mo	$55,892
5	F	Single	14925 Fisher Rd Tampa · 3bd/1.0ba · 983sf · 1959	$300,000	$2,074	$25,689	$-1,246	-58.2%	$2,950/mo	$52,802
6	F	Single	10203 Courtney Palms Blvd #103 Tampa · 2bd/2.0ba · 1,095sf · 2003	$185,000	$1,832	$15,841	$-794	-60.2%	$2,327/mo	$48,460
7	F	Single	4120 W Northa St #6 Tampa · 4bd/3.5ba · 2,038sf · 2024	$689,000	$3,430	$79,437	$-4,070	-61.5%	$6,824/mo	$14,359
8	F	Single	1508 W Hamilton Ave Tampa · 3bd/1.0ba · 1,108sf · 1962	$349,900	$2,220	$29,961	$-1,602	-64.2%	$3,416/mo	$54,678
9	F	Single	11904 Trevino Pl Tampa · 4bd/2.0ba · 1,957sf · 1982	$500,000	$3,140	$42,814	$-2,383	-66.8%	$4,948/mo	$67,941
10	F	Single	11715 N 51st St Tampa · 2bd/2.0ba · 1,689sf · 1957	$395,000	$2,413	$33,823	$-1,945	-69.0%	$3,912/mo	$67,480
11	F	Single	4601 N Emerald Ave Tampa · 3bd/2.0ba · 1,439sf · 1958	$430,000	$2,540	$36,820	$-2,139	-69.7%	$4,206/mo	$63,730
12	F	Single	18507 Country Crest Pl Tampa · 3bd/2.0ba · 2,371sf · 1994	$535,000	$3,291	$45,811	$-2,677	-70.1%	$5,362/mo	$72,858
13	F	Single	7110 Hollowell Dr Tampa · 3bd/2.0ba · 1,482sf · 1986	$440,000	$2,581	$37,677	$-2,226	-70.9%	$4,325/mo	$60,367
14	F	Single	907 Leisure Ave Tampa · 3bd/3.0ba · 1,212sf · 1959	$419,900	$2,376	$35,955	$-2,154	-71.9%	$4,081/mo	$64,412
15	F	Single	7415 S Elliott St Tampa · 5bd/3.5ba · 2,160sf · 2007	$605,000	$3,406	$51,805	$-3,174	-73.5%	$5,935/mo	$64,156
16	F	Single	1409 W Wood St Tampa · 3bd/2.0ba · 1,720sf · 2023	$515,000	$2,833	$44,099	$-2,744	-74.7%	$5,037/mo	$12,610
17	F	Single	1911 W Cherry St Tampa · 3bd/2.0ba · 1,056sf · 1976	$425,000	$2,279	$36,392	$-2,276	-75.0%	$4,117/mo	$55,282
18	F	Single	10606 Drayton Ct Tampa · 3bd/2.5ba · 1,537sf · 2000	$449,900	$2,630	$38,524	$-2,544	-79.3%	$4,683/mo	$53,278
19	F	Single	106 S Habana Ave #7 Tampa · 2bd/1.5ba · 1,020sf · 1983	$359,000	$1,923	$30,741	$-2,147	-83.8%	$3,701/mo	$50,688
20	F	Single	777 N Ashley Dr #1010 Tampa · 1bd/1.0ba · 846sf · 2007	$525,000	$1,925	$44,955	$-4,430	-118.3%	$5,930/mo	$41,659

🏠

$389,999

5116 Serena Dr

Tampa · 4bd/3.0ba · Single

2,025 sf · Built 1984

$-1,389

Cash Flow

-49.9%

CoC ROI

4.0%

Cap Rate

$33,395

Cash In

🏠

$699,999

1505 W Arch St #2

Tampa · 3bd/2.5ba · Single

2,365 sf · Built 2026

$-3,819

Cash Flow

-50.5%

CoC ROI

1.3%

Cap Rate

$90,766

Cash In

🏠

$349,999

7412 Kingston Dr

Tampa · 4bd/2.0ba · Single

1,453 sf · Built 1971

$-1,301

Cash Flow

-52.1%

CoC ROI

3.8%

Cap Rate

$29,970

Cash In

🏠

$299,900

10914 N 22nd St

Tampa · 3bd/1.5ba · Single

1,189 sf · Built 1961

$-1,134

Cash Flow

-53.0%

CoC ROI

3.7%

Cap Rate

$25,680

Cash In

🏠

$300,000

14925 Fisher Rd

Tampa · 3bd/1.0ba · Single

983 sf · Built 1959

🏘️ S8 +2%

$-1,246

Cash Flow

-58.2%

CoC ROI

3.3%

Cap Rate

$25,689

Cash In

🏘

$185,000

10203 Courtney Palms Blvd #103

Tampa · 2bd/2.0ba · Single

1,095 sf · Built 2003

$-794

Cash Flow

-60.2%

CoC ROI

3.1%

Cap Rate

$15,841

Cash In

🏠

$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

🏠

$349,900

1508 W Hamilton Ave

Tampa · 3bd/1.0ba · Single

1,108 sf · Built 1962

$-1,602

Cash Flow

-64.2%

CoC ROI

2.8%

Cap Rate

$29,961

Cash In

🏠

$500,000

11904 Trevino Pl

Tampa · 4bd/2.0ba · Single

1,957 sf · Built 1982

$-2,383

Cash Flow

-66.8%

CoC ROI

2.5%

Cap Rate

$42,814

Cash In

🏠

$395,000

11715 N 51st St

Tampa · 2bd/2.0ba · Single

1,689 sf · Built 1957

$-1,945

Cash Flow

-69.0%

CoC ROI

2.3%

Cap Rate

$33,823

Cash In

🏠

$430,000

4601 N Emerald Ave

Tampa · 3bd/2.0ba · Single

1,439 sf · Built 1958

$-2,139

Cash Flow

-69.7%

CoC ROI

2.3%

Cap Rate

$36,820

Cash In

🏠

$535,000

18507 Country Crest Pl

Tampa · 3bd/2.0ba · Single

2,371 sf · Built 1994

$-2,677

Cash Flow

-70.1%

CoC ROI

2.2%

Cap Rate

$45,811

Cash In

🏠

$440,000

7110 Hollowell Dr

Tampa · 3bd/2.0ba · Single

1,482 sf · Built 1986

$-2,226

Cash Flow

-70.9%

CoC ROI

2.2%

Cap Rate

$37,677

Cash In

🏠

$419,900

907 Leisure Ave

Tampa · 3bd/3.0ba · Single

1,212 sf · Built 1959

$-2,154

Cash Flow

-71.9%

CoC ROI

2.1%

Cap Rate

$35,955

Cash In

🏠

$605,000

7415 S Elliott St

Tampa · 5bd/3.5ba · Single

2,160 sf · Built 2007

$-3,174

Cash Flow

-73.5%

CoC ROI

2.0%

Cap Rate

$51,805

Cash In

🏠

$515,000

1409 W Wood St

Tampa · 3bd/2.0ba · Single

1,720 sf · Built 2023

$-2,744

Cash Flow

-74.7%

CoC ROI

1.9%

Cap Rate

$44,099

Cash In

🏠

$425,000

1911 W Cherry St

Tampa · 3bd/2.0ba · Single

1,056 sf · Built 1976

$-2,276

Cash Flow

-75.0%

CoC ROI

1.8%

Cap Rate

$36,392

Cash In

🏠

$449,900

10606 Drayton Ct

Tampa · 3bd/2.5ba · Single

1,537 sf · Built 2000

$-2,544

Cash Flow

-79.3%

CoC ROI

1.5%

Cap Rate

$38,524

Cash In

🏠

$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

🏘

$525,000

777 N Ashley Dr #1010

Tampa · 1bd/1.0ba · Single

846 sf · Built 2007

$-4,430

Cash Flow

-118.3%

CoC ROI

-1.9%

Cap Rate

$44,955

Cash In

Property Breakdowns

5116 Serena Dr Single

Tampa, FL 33617 · 4bd/3.0ba · 2,025sf · Built 1984

$389,999
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $13,650

Loan Amount: $382,935

Fees / MIP: $6,586

Closing Costs: $11,700

Reserves (3mo): $8,045

Total Cash Needed: $33,395

Monthly Expenses

Mortgage P&I+MIP: $2,681.71

Property Tax: $633.75

Insurance: $270.00

HOA: $0.00

Maint + CapEx: $455.00

Vacancy + Mgmt: $396.19

Total: $4,436.64/mo

Returns

Market Rent (all units): $3,048

Your Rental Income: $3,048

Cashflow: $-1,389/mo

Annual: $-16,669/yr

Cash-on-Cash ROI: -49.9%

Cap Rate: 4.0% · DSCR: 0.48x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,389/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: $-592/mo (vs $-1,389/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-556/mo — saves $833/mo.

👥 Rent by Room

Rent 4 rooms at ~$900/room = $3,600/mo. Projected cashflow: $-837/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-2,233/mo

STR vs LTR

-64%

BREAKEVEN OCC

69%

STR EXPENSES BREAKDOWN

Platform fees: $135
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

🛡

LTR is safer bet

LTR: $-1,389/mo · STR: $-2,233/mo · CoC ROI: -69.3%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,047/mo

RANGE

$3,047 – $3,047

CONFIDENCE

LOW

N/A

Our estimate $3,047/mo ✅ Inline with market

No comparable rentals found in 33617

Purchase + Close$401,699

Reno Cost$87,171

Holding (6mo)$26,620

Total All-In$515,490

ARV$550,154

Selling Costs 8%$44,012

Flip Profit$-9,348

Flip ROI-8%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

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🔒 Pro Feature

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Pri	Upgrade	Cost	Value Add	ROI
CRIT	New A/C System	$7,500	+$9,750	130%
📌 This property is ~42 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$5,569	+$16,706	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.

RENO COST

$87,171

VALUE ADDED

+$160,155

OVERALL ROI

184%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$72,984)
• Excellent reno ROI (184%)
• Older build (1984) — high value-add potential
• Negative cashflow ($-1,389/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,389/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

4/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

29/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

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Owner Not Yet Found County records searched automatically — open for manual lookup:
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📈 10-YEAR EQUITY PROJECTION

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🔨 FIX & FLIP ANALYSIS

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1505 W Arch St #2 Single

Tampa, FL 33607 · 3bd/2.5ba · 2,365sf · Built 2026

$699,999
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $55,999

Loan Amount: $655,270

Fees / MIP: $11,270

Closing Costs: $21,000

Reserves (3mo): $13,767

Total Cash Needed: $90,766

Monthly Expenses

Mortgage P&I+MIP: $4,588.89

Property Tax: $1,137.50

Insurance: $315.33

HOA: $0.00

Maint + CapEx: $816.66

Vacancy + Mgmt: $454.11

Total: $7,312.50/mo

Returns

Market Rent (all units): $3,493

Your Rental Income: $3,493

Cashflow: $-3,819/mo

Annual: $-45,832/yr

Cash-on-Cash ROI: -50.5%

Cap Rate: 1.3% · DSCR: 0.17x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,819/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: $-2,612/mo (vs $-3,819/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,549/mo — saves $1,271/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-5,068/mo

STR vs LTR

-81%

BREAKEVEN OCC

100%

STR EXPENSES BREAKDOWN

Platform fees: $110
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

🛡

LTR is safer bet

LTR: $-3,819/mo · STR: $-5,068/mo · CoC ROI: -68.8%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,493/mo

RANGE

$3,493 – $3,493

CONFIDENCE

LOW

N/A

Our estimate $3,493/mo ✅ Inline with market

No comparable rentals found in 33607

Purchase + Close$720,999

Reno Cost$7,529

Holding (6mo)$43,875

Total All-In$772,403

ARV$723,685

Selling Costs 8%$57,895

Flip Profit$-106,612

Flip ROI-126%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

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Pri	Upgrade	Cost	Value Add	ROI
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$6,504	+$19,511	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
HIGH	Door/Cabinet Hardware	$475	+$1,425	300%
📌 Matte black or brushed nickel hardware instantly modernizes a space for under $500 — biggest visual impact per dollar.

RENO COST

$7,529

VALUE ADDED

+$23,686

OVERALL ROI

315%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (315%)
• Negative cashflow ($-3,819/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,819/mo)
• High cash requirement ($90,766)

🛡 NEIGHBORHOOD SAFETY

4/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

21/100

❌ Skip

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
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📈 10-YEAR EQUITY PROJECTION

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🔨 FIX & FLIP ANALYSIS

▶

7412 Kingston Dr Single

Tampa, FL 33619 · 4bd/2.0ba · 1,453sf · Built 1971

$349,999
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $12,250

Loan Amount: $343,660

Fees / MIP: $5,911

Closing Costs: $10,500

Reserves (3mo): $7,220

Total Cash Needed: $29,970

Monthly Expenses

Mortgage P&I+MIP: $2,406.66

Property Tax: $568.75

Insurance: $193.73

HOA: $0.00

Maint + CapEx: $408.34

Vacancy + Mgmt: $340.24

Total: $3,917.71/mo

Returns

Market Rent (all units): $2,617

Your Rental Income: $2,617

Cashflow: $-1,301/mo

Annual: $-15,606/yr

Cash-on-Cash ROI: -52.1%

Cap Rate: 3.8% · DSCR: 0.46x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,301/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: $-585/mo (vs $-1,301/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-553/mo — saves $747/mo.

👥 Rent by Room

Rent 4 rooms at ~$900/room = $3,600/mo. Projected cashflow: $-318/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-1,787/mo

STR vs LTR

-55%

BREAKEVEN OCC

64%

STR EXPENSES BREAKDOWN

Platform fees: $135
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

🛡

LTR is safer bet

LTR: $-1,301/mo · STR: $-1,787/mo · CoC ROI: -59.5%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,617/mo

RANGE

$2,617 – $2,617

CONFIDENCE

LOW

N/A

Our estimate $2,617/mo ✅ Inline with market

No comparable rentals found in 33619

Purchase + Close$360,499

Reno Cost$92,644

Holding (6mo)$23,506

Total All-In$476,649

ARV$506,583

Selling Costs 8%$40,527

Flip Profit$-10,593

Flip ROI-9%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~55 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$13,804	+$15,184	110%
📌 No additional notes available.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.

RENO COST

$92,644

VALUE ADDED

+$156,584

OVERALL ROI

169%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$63,940)
• Excellent reno ROI (169%)
• Older build (1971) — high value-add potential
• Negative cashflow ($-1,301/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,301/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

4/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

29/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Hillsborough County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

10914 N 22nd St Single

Tampa, FL 33612 · 3bd/1.5ba · 1,189sf · Built 1961

$299,900
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $10,496

Loan Amount: $294,468

Fees / MIP: $5,065

Closing Costs: $8,997

Reserves (3mo): $6,187

Total Cash Needed: $25,680

Monthly Expenses

Mortgage P&I+MIP: $2,062.17

Property Tax: $487.34

Insurance: $158.53

HOA: $0.00

Maint + CapEx: $349.89

Vacancy + Mgmt: $287.43

Total: $3,345.36/mo

Returns

Market Rent (all units): $2,211

Your Rental Income: $2,211

Cashflow: $-1,134/mo

Annual: $-13,612/yr

Cash-on-Cash ROI: -53.0%

Cap Rate: 3.7% · DSCR: 0.45x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,134/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: $-521/mo (vs $-1,134/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-494/mo — saves $640/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-645/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-1,671/mo

STR vs LTR

-60%

BREAKEVEN OCC

71%

STR EXPENSES BREAKDOWN

Platform fees: $110
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

🛡

LTR is safer bet

LTR: $-1,134/mo · STR: $-1,671/mo · CoC ROI: -65.0%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,211/mo

RANGE

$2,211 – $2,211

CONFIDENCE

LOW

N/A

Our estimate $2,211/mo ✅ Inline with market

No comparable rentals found in 33612

Purchase + Close$308,897

Reno Cost$81,746

Holding (6mo)$20,072

Total All-In$410,715

ARV$437,539

Selling Costs 8%$35,003

Flip Profit$-8,180

Flip ROI-8%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~65 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$11,296	+$12,425	110%
📌 No additional notes available.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.

RENO COST

$81,746

VALUE ADDED

+$137,639

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$55,892)
• Excellent reno ROI (168%)
• Older build (1961) — high value-add potential
• Negative cashflow ($-1,134/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,134/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

4/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

29/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Hillsborough County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

14925 Fisher Rd Single

Tampa, FL 33613 · 3bd/1.0ba · 983sf · Built 1959

$300,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $10,500

Loan Amount: $294,566

Fees / MIP: $5,066

Closing Costs: $9,000

Reserves (3mo): $6,189

Total Cash Needed: $25,689

Monthly Expenses

Mortgage P&I+MIP: $2,062.86

Property Tax: $487.50

Insurance: $150.00

HOA: $0.00

Maint + CapEx: $350.00

Vacancy + Mgmt: $269.64

Total: $3,320.00/mo

Returns

Market Rent (all units): $2,074

Your Rental Income: $2,074

Cashflow: $-1,246/mo

Annual: $-14,950/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 $-1,246/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: $-632/mo (vs $-1,246/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-605/mo — saves $641/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-620/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-1,660/mo

STR vs LTR

-57%

BREAKEVEN OCC

71%

STR EXPENSES BREAKDOWN

Platform fees: $110
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

🛡

LTR is safer bet

LTR: $-1,246/mo · STR: $-1,660/mo · CoC ROI: -64.6%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,074/mo

RANGE

$2,074 – $2,074

CONFIDENCE

LOW

N/A

Our estimate $2,074/mo ✅ Inline with market

No comparable rentals found in 33613

Purchase + Close$309,000

Reno Cost$77,554

Holding (6mo)$19,920

Total All-In$406,474

ARV$430,357

Selling Costs 8%$34,429

Flip Profit$-10,546

Flip ROI-11%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~67 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$9,338	+$10,272	110%
📌 No additional notes available.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.

RENO COST

$77,554

VALUE ADDED

+$130,357

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$52,802)
• Excellent reno ROI (168%)
• Older build (1959) — high value-add potential
• Negative cashflow ($-1,246/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,246/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

30/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Hillsborough County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

10203 Courtney Palms Blvd #103 Single

Tampa, FL 33619 · 2bd/2.0ba · 1,095sf · Built 2003

$185,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $6,475

Loan Amount: $181,649

Fees / MIP: $3,124

Closing Costs: $5,550

Reserves (3mo): $3,816

Total Cash Needed: $15,841

Monthly Expenses

Mortgage P&I+MIP: $1,272.09

Property Tax: $300.62

Insurance: $150.00

HOA: $450.00

Maint + CapEx: $215.84

Vacancy + Mgmt: $238.21

Total: $2,626.75/mo

Returns

Market Rent (all units): $1,832

Your Rental Income: $1,832

Cashflow: $-794/mo

Annual: $-9,533/yr

Cash-on-Cash ROI: -60.2%

Cap Rate: 3.1% · DSCR: 0.38x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-794/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: $-416/mo (vs $-794/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-399/mo — saves $395/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-1,433/mo

STR vs LTR

-68%

BREAKEVEN OCC

77%

STR EXPENSES BREAKDOWN

Platform fees: $87
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

🛡

LTR is safer bet

LTR: $-794/mo · STR: $-1,433/mo · CoC ROI: -80.3%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,832/mo

RANGE

$1,832 – $1,832

CONFIDENCE

LOW

N/A

Our estimate $1,832/mo ✅ Inline with market

No comparable rentals found in 33619

Purchase + Close$190,550

Reno Cost$51,456

Holding (6mo)$15,760

Total All-In$257,767

ARV$284,917

Selling Costs 8%$22,793

Flip Profit+$4,357

Flip ROI7%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

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🔒 Pro Feature

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Pri	Upgrade	Cost	Value Add	ROI
CRIT	New A/C System	$7,500	+$9,750	130%
📌 This property is ~23 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$3,011	+$9,034	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
HIGH	New Water Heater	$2,650	+$3,445	130%
📌 Water heaters last 10–15 yrs. At ~23 yrs, replacement likely before or shortly after purchase.
HIGH	Door/Cabinet Hardware	$475	+$1,425	300%
📌 Matte black or brushed nickel hardware instantly modernizes a space for under $500 — biggest visual impact per dollar.

RENO COST

$51,456

VALUE ADDED

+$99,917

OVERALL ROI

194%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$48,460)
• Excellent reno ROI (194%)
• Negative cashflow ($-794/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-794/mo)
• Low barrier to entry ($15,841 cash needed)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

4/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

33/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

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🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
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📈 10-YEAR EQUITY PROJECTION

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🔨 FIX & FLIP ANALYSIS

▶

4120 W Northa St #6 Single

Tampa, FL 33609 · 4bd/3.5ba · 2,038sf · Built 2024

$689,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

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

FURNITURE SETUP

Furniture: $9,700
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

Purchase + Close$709,670

Reno Cost$6,630

Holding (6mo)$45,000

Total All-In$761,299

ARV$709,988

Selling Costs 8%$56,799

Flip Profit$-108,110

Flip ROI-150%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

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🔒 Pro Feature

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Pri	Upgrade	Cost	Value Add	ROI
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$5,604	+$16,814	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
HIGH	Door/Cabinet Hardware	$475	+$1,425	300%
📌 Matte black or brushed nickel hardware instantly modernizes a space for under $500 — biggest visual impact per dollar.

RENO COST

$6,630

VALUE ADDED

+$20,988

OVERALL ROI

317%

🔨 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

AI Deal Score

24/100

❌ Skip

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

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🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
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📈 10-YEAR EQUITY PROJECTION

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🔨 FIX & FLIP ANALYSIS

▶

1508 W Hamilton Ave Single

Tampa, FL 33604 · 3bd/1.0ba · 1,108sf · Built 1962

$349,900
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $12,246

Loan Amount: $343,562

Fees / MIP: $5,909

Closing Costs: $10,497

Reserves (3mo): $7,218

Total Cash Needed: $29,961

Monthly Expenses

Mortgage P&I+MIP: $2,405.98

Property Tax: $568.59

Insurance: $150.00

HOA: $0.00

Maint + CapEx: $408.21

Vacancy + Mgmt: $288.55

Total: $3,821.34/mo

Returns

Market Rent (all units): $2,220

Your Rental Income: $2,220

Cashflow: $-1,602/mo

Annual: $-19,220/yr

Cash-on-Cash ROI: -64.2%

Cap Rate: 2.8% · DSCR: 0.33x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,602/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: $-886/mo (vs $-1,602/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-854/mo — saves $747/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-1,121/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-2,084/mo

STR vs LTR

-60%

BREAKEVEN OCC

77%

STR EXPENSES BREAKDOWN

Platform fees: $110
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

🛡

LTR is safer bet

LTR: $-1,602/mo · STR: $-2,084/mo · CoC ROI: -73.4%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,219/mo

RANGE

$2,219 – $2,219

CONFIDENCE

LOW

N/A

Our estimate $2,219/mo ✅ Inline with market

No comparable rentals found in 33604

Purchase + Close$360,397

Reno Cost$80,098

Holding (6mo)$22,928

Total All-In$463,423

ARV$484,675

Selling Costs 8%$38,774

Flip Profit$-17,522

Flip ROI-17%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~64 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$10,526	+$11,579	110%
📌 No additional notes available.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.

RENO COST

$80,098

VALUE ADDED

+$134,775

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$54,678)
• Excellent reno ROI (168%)
• Older build (1962) — high value-add potential
• Negative cashflow ($-1,602/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,602/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

4/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

29/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Hillsborough County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

11904 Trevino Pl Single

Tampa, FL 33624 · 4bd/2.0ba · 1,957sf · Built 1982

$500,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $17,500

Loan Amount: $490,944

Fees / MIP: $8,444

Closing Costs: $15,000

Reserves (3mo): $10,314

Total Cash Needed: $42,814

Monthly Expenses

Mortgage P&I+MIP: $3,438.10

Property Tax: $812.50

Insurance: $260.93

HOA: $20.00

Maint + CapEx: $583.34

Vacancy + Mgmt: $408.18

Total: $5,523.05/mo

Returns

Market Rent (all units): $3,140

Your Rental Income: $3,140

Cashflow: $-2,383/mo

Annual: $-28,598/yr

Cash-on-Cash ROI: -66.8%

Cap Rate: 2.5% · DSCR: 0.31x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,383/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: $-1,361/mo (vs $-2,383/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,315/mo — saves $1,068/mo.

👥 Rent by Room

Rent 4 rooms at ~$900/room = $3,600/mo. Projected cashflow: $-1,923/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-3,176/mo

STR vs LTR

-65%

BREAKEVEN OCC

80%

STR EXPENSES BREAKDOWN

Platform fees: $135
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

🛡

LTR is safer bet

LTR: $-2,383/mo · STR: $-3,176/mo · CoC ROI: -83.2%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,139/mo

RANGE

$3,139 – $3,139

CONFIDENCE

LOW

N/A

Our estimate $3,139/mo ✅ Inline with market

No comparable rentals found in 33624

Purchase + Close$515,000

Reno Cost$80,908

Holding (6mo)$33,138

Total All-In$629,047

ARV$648,849

Selling Costs 8%$51,908

Flip Profit$-32,105

Flip ROI-28%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~44 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$5,382	+$16,145	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.

RENO COST

$80,908

VALUE ADDED

+$148,849

OVERALL ROI

184%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$67,941)
• Excellent reno ROI (184%)
• Older build (1982) — high value-add potential
• Negative cashflow ($-2,383/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,383/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

6/10 Safe

Average to below-average crime, generally safe area

AI Deal Score

31/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Hillsborough County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

11715 N 51st St Single

Tampa, FL 33617 · 2bd/2.0ba · 1,689sf · Built 1957

$395,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $13,825

Loan Amount: $387,846

Fees / MIP: $6,671

Closing Costs: $11,850

Reserves (3mo): $8,148

Total Cash Needed: $33,823

Monthly Expenses

Mortgage P&I+MIP: $2,716.10

Property Tax: $641.88

Insurance: $225.20

HOA: $0.00

Maint + CapEx: $460.84

Vacancy + Mgmt: $313.71

Total: $4,357.72/mo

Returns

Market Rent (all units): $2,413

Your Rental Income: $2,413

Cashflow: $-1,945/mo

Annual: $-23,334/yr

Cash-on-Cash ROI: -69.0%

Cap Rate: 2.3% · DSCR: 0.28x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,945/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: $-1,137/mo (vs $-1,945/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,101/mo — saves $844/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-2,874/mo

STR vs LTR

-80%

BREAKEVEN OCC

100%

STR EXPENSES BREAKDOWN

Platform fees: $87
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

🛡

LTR is safer bet

LTR: $-1,945/mo · STR: $-2,874/mo · CoC ROI: -98.3%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,413/mo

RANGE

$2,413 – $2,413

CONFIDENCE

LOW

N/A

Our estimate $2,413/mo ✅ Inline with market

No comparable rentals found in 33617

Purchase + Close$406,850

Reno Cost$97,446

Holding (6mo)$26,146

Total All-In$530,442

ARV$559,926

Selling Costs 8%$44,794

Flip Profit$-15,310

Flip ROI-12%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~69 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$16,046	+$17,650	110%
📌 No additional notes available.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.

RENO COST

$97,446

VALUE ADDED

+$164,926

OVERALL ROI

169%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$67,480)
• Excellent reno ROI (169%)
• Older build (1957) — high value-add potential
• Negative cashflow ($-1,945/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,945/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

4/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

29/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Hillsborough County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

4601 N Emerald Ave Single

Tampa, FL 33614 · 3bd/2.0ba · 1,439sf · Built 1958

$430,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $15,050

Loan Amount: $422,212

Fees / MIP: $7,262

Closing Costs: $12,900

Reserves (3mo): $8,870

Total Cash Needed: $36,820

Monthly Expenses

Mortgage P&I+MIP: $2,956.77

Property Tax: $698.75

Insurance: $191.87

HOA: $0.00

Maint + CapEx: $501.66

Vacancy + Mgmt: $330.18

Total: $4,679.24/mo

Returns

Market Rent (all units): $2,540

Your Rental Income: $2,540

Cashflow: $-2,139/mo

Annual: $-25,672/yr

Cash-on-Cash ROI: -69.7%

Cap Rate: 2.3% · DSCR: 0.28x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,139/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: $-1,260/mo (vs $-2,139/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,221/mo — saves $918/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-1,979/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-2,824/mo

STR vs LTR

-67%

BREAKEVEN OCC

87%

STR EXPENSES BREAKDOWN

Platform fees: $110
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

🛡

LTR is safer bet

LTR: $-2,139/mo · STR: $-2,824/mo · CoC ROI: -86.2%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,539/mo

RANGE

$2,539 – $2,539

CONFIDENCE

LOW

N/A

Our estimate $2,539/mo ✅ Inline with market

No comparable rentals found in 33614

Purchase + Close$442,900

Reno Cost$92,359

Holding (6mo)$28,075

Total All-In$563,334

ARV$586,089

Selling Costs 8%$46,887

Flip Profit$-24,133

Flip ROI-20%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

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🔒 Pro Feature

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Pri	Upgrade	Cost	Value Add	ROI
CRIT	New A/C System	$7,500	+$9,750	130%
📌 This property is ~68 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$13,670	+$15,038	110%
📌 No additional notes available.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.

RENO COST

$92,359

VALUE ADDED

+$156,089

OVERALL ROI

169%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$63,730)
• Excellent reno ROI (169%)
• Older build (1958) — high value-add potential
• Negative cashflow ($-2,139/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,139/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

4/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

29/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

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🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
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📈 10-YEAR EQUITY PROJECTION

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🔨 FIX & FLIP ANALYSIS

▶

18507 Country Crest Pl Single

Tampa, FL 33647 · 3bd/2.0ba · 2,371sf · Built 1994

$535,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $18,725

Loan Amount: $525,310

Fees / MIP: $9,035

Closing Costs: $16,050

Reserves (3mo): $11,036

Total Cash Needed: $45,811

Monthly Expenses

Mortgage P&I+MIP: $3,678.77

Property Tax: $869.38

Insurance: $316.13

HOA: $52.00

Maint + CapEx: $624.16

Vacancy + Mgmt: $427.82

Total: $5,968.26/mo

Returns

Market Rent (all units): $3,291

Your Rental Income: $3,291

Cashflow: $-2,677/mo

Annual: $-32,128/yr

Cash-on-Cash ROI: -70.1%

Cap Rate: 2.2% · DSCR: 0.27x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,677/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: $-1,583/mo (vs $-2,677/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,535/mo — saves $1,143/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-3,943/mo

STR vs LTR

-80%

BREAKEVEN OCC

100%

STR EXPENSES BREAKDOWN

Platform fees: $110
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

🛡

LTR is safer bet

LTR: $-2,677/mo · STR: $-3,943/mo · CoC ROI: -102.6%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,290/mo

RANGE

$3,290 – $3,290

CONFIDENCE

LOW

N/A

Our estimate $3,290/mo ✅ Inline with market

No comparable rentals found in 33647

Purchase + Close$551,050

Reno Cost$76,400

Holding (6mo)$35,810

Total All-In$663,260

ARV$684,258

Selling Costs 8%$54,741

Flip Profit$-33,743

Flip ROI-30%

📍 NEIGHBORHOOD SCORE 🔒 Pro

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🔒 Pro Feature

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Pri	Upgrade	Cost	Value Add	ROI
CRIT	New A/C System	$7,500	+$9,750	130%
📌 This property is ~32 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$6,520	+$19,561	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
CRIT	GFCI Outlets (Kitchen/Bath)	$1,650	+$1,650	100%
📌 No additional notes available.

RENO COST

$76,400

VALUE ADDED

+$149,258

OVERALL ROI

195%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$72,858)
• Excellent reno ROI (195%)
• Aging property (1994) — renovation upside
• Negative cashflow ($-2,677/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,677/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

7/10 Safe

Average to below-average crime, generally safe area

AI Deal Score

32/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

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🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
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📈 10-YEAR EQUITY PROJECTION

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🔨 FIX & FLIP ANALYSIS

▶

7110 Hollowell Dr Single

Tampa, FL 33634 · 3bd/2.0ba · 1,482sf · Built 1986

$440,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $15,400

Loan Amount: $432,030

Fees / MIP: $7,430

Closing Costs: $13,200

Reserves (3mo): $9,077

Total Cash Needed: $37,677

Monthly Expenses

Mortgage P&I+MIP: $3,025.53

Property Tax: $715.00

Insurance: $197.60

HOA: $20.00

Maint + CapEx: $513.34

Vacancy + Mgmt: $335.53

Total: $4,806.99/mo

Returns

Market Rent (all units): $2,581

Your Rental Income: $2,581

Cashflow: $-2,226/mo

Annual: $-26,712/yr

Cash-on-Cash ROI: -70.9%

Cap Rate: 2.2% · DSCR: 0.26x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,226/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: $-1,326/mo (vs $-2,226/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,286/mo — saves $940/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-2,937/mo

STR vs LTR

-68%

BREAKEVEN OCC

89%

STR EXPENSES BREAKDOWN

Platform fees: $110
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

🛡

LTR is safer bet

LTR: $-2,226/mo · STR: $-2,937/mo · CoC ROI: -88.2%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,580/mo

RANGE

$2,580 – $2,580

CONFIDENCE

LOW

N/A

Our estimate $2,580/mo ✅ Inline with market

No comparable rentals found in 33634

Purchase + Close$453,200

Reno Cost$66,755

Holding (6mo)$28,842

Total All-In$548,797

ARV$567,122

Selling Costs 8%$45,370

Flip Profit$-27,045

Flip ROI-28%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

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🔒 Pro Feature

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TOP UPGRADES BY ROI

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Pri	Upgrade	Cost	Value Add	ROI
CRIT	New A/C System	$7,500	+$9,750	130%
📌 This property is ~40 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$4,076	+$12,226	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
CRIT	GFCI Outlets (Kitchen/Bath)	$1,650	+$1,650	100%
📌 No additional notes available.

RENO COST

$66,755

VALUE ADDED

+$127,122

OVERALL ROI

190%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$60,367)
• Excellent reno ROI (190%)
• Aging property (1986) — renovation upside
• Negative cashflow ($-2,226/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,226/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

30/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Hillsborough County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

907 Leisure Ave Single

Tampa, FL 33613 · 3bd/3.0ba · 1,212sf · Built 1959

$419,900
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $14,696

Loan Amount: $412,295

Fees / MIP: $7,091

Closing Costs: $12,597

Reserves (3mo): $8,662

Total Cash Needed: $35,955

Monthly Expenses

Mortgage P&I+MIP: $2,887.32

Property Tax: $682.34

Insurance: $161.60

HOA: $0.00

Maint + CapEx: $489.89

Vacancy + Mgmt: $308.92

Total: $4,530.06/mo

Returns

Market Rent (all units): $2,376

Your Rental Income: $2,376

Cashflow: $-2,154/mo

Annual: $-25,845/yr

Cash-on-Cash ROI: -71.9%

Cap Rate: 2.1% · DSCR: 0.25x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,154/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: $-1,295/mo (vs $-2,154/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,257/mo — saves $897/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-1,830/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-2,696/mo

STR vs LTR

-63%

BREAKEVEN OCC

86%

STR EXPENSES BREAKDOWN

Platform fees: $110
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

🛡

LTR is safer bet

LTR: $-2,154/mo · STR: $-2,696/mo · CoC ROI: -83.7%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,376/mo

RANGE

$2,376 – $2,376

CONFIDENCE

LOW

N/A

Our estimate $2,376/mo ✅ Inline with market

No comparable rentals found in 33613

Purchase + Close$432,497

Reno Cost$93,264

Holding (6mo)$27,180

Total All-In$552,942

ARV$577,577

Selling Costs 8%$46,206

Flip Profit$-21,571

Flip ROI-18%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

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🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to Pro

TOP UPGRADES BY ROI

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Pri	Upgrade	Cost	Value Add	ROI
CRIT	New A/C System	$7,500	+$9,750	130%
📌 This property is ~67 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$11,514	+$12,665	110%
📌 No additional notes available.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.

RENO COST

$93,264

VALUE ADDED

+$157,677

OVERALL ROI

169%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$64,412)
• Excellent reno ROI (169%)
• Older build (1959) — high value-add potential
• Negative cashflow ($-2,154/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,154/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

30/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Hillsborough County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

7415 S Elliott St Single

Tampa, FL 33616 · 5bd/3.5ba · 2,160sf · Built 2007

$605,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $21,175

Loan Amount: $594,042

Fees / MIP: $10,217

Closing Costs: $18,150

Reserves (3mo): $12,480

Total Cash Needed: $51,805

Monthly Expenses

Mortgage P&I+MIP: $4,160.10

Property Tax: $983.12

Insurance: $288.00

HOA: $0.00

Maint + CapEx: $705.84

Vacancy + Mgmt: $442.80

Total: $6,579.85/mo

Returns

Market Rent (all units): $3,406

Your Rental Income: $3,406

Cashflow: $-3,174/mo

Annual: $-38,085/yr

Cash-on-Cash ROI: -73.5%

Cap Rate: 2.0% · DSCR: 0.24x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,174/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: $-1,937/mo (vs $-3,174/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,882/mo — saves $1,292/mo.

👥 Rent by Room

Rent 5 rooms at ~$900/room = $4,500/mo. Projected cashflow: $-2,080/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-4,286/mo

STR vs LTR

-75%

BREAKEVEN OCC

92%

STR EXPENSES BREAKDOWN

Platform fees: $135
Cleaning: $630
Management (20%): $900
Utilities: $575
Taxes (12%): $540
Other: $460

FURNITURE SETUP

Furniture: $11,500
Appliances: $800
Kitchen + Linens: $1,350
Electronics: $600
Decor + Supplies: $700
Total Setup: $15,250

🛡

LTR is safer bet

LTR: $-3,174/mo · STR: $-4,286/mo · CoC ROI: -94.3%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,406/mo

RANGE

$3,406 – $3,406

CONFIDENCE

LOW

N/A

Our estimate $3,406/mo ✅ Inline with market

No comparable rentals found in 33616

Purchase + Close$623,150

Reno Cost$65,750

Holding (6mo)$39,479

Total All-In$728,379

ARV$734,906

Selling Costs 8%$58,793

Flip Profit$-52,265

Flip ROI-50%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~19 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$5,940	+$17,820	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
HIGH	New Water Heater	$2,650	+$3,445	130%
📌 Water heaters last 10–15 yrs. At ~19 yrs, replacement likely before or shortly after purchase.
HIGH	Door/Cabinet Hardware	$475	+$1,425	300%
📌 Matte black or brushed nickel hardware instantly modernizes a space for under $500 — biggest visual impact per dollar.

RENO COST

$65,750

VALUE ADDED

+$129,906

OVERALL ROI

198%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$64,156)
• Excellent reno ROI (198%)
• Negative cashflow ($-3,174/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,174/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

27/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Hillsborough County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

1409 W Wood St Single

Tampa, FL 33604 · 3bd/2.0ba · 1,720sf · Built 2023

$515,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $18,025

Loan Amount: $505,672

Fees / MIP: $8,697

Closing Costs: $15,450

Reserves (3mo): $10,624

Total Cash Needed: $44,099

Monthly Expenses

Mortgage P&I+MIP: $3,541.24

Property Tax: $836.88

Insurance: $229.33

HOA: $0.00

Maint + CapEx: $600.84

Vacancy + Mgmt: $368.29

Total: $5,576.57/mo

Returns

Market Rent (all units): $2,833

Your Rental Income: $2,833

Cashflow: $-2,744/mo

Annual: $-32,923/yr

Cash-on-Cash ROI: -74.7%

Cap Rate: 1.9% · DSCR: 0.23x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,744/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: $-1,691/mo (vs $-2,744/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,644/mo — saves $1,100/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-3,599/mo

STR vs LTR

-72%

BREAKEVEN OCC

98%

STR EXPENSES BREAKDOWN

Platform fees: $110
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

🛡

LTR is safer bet

LTR: $-2,744/mo · STR: $-3,599/mo · CoC ROI: -96.3%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,833/mo

RANGE

$2,833 – $2,833

CONFIDENCE

LOW

N/A

Our estimate $2,833/mo ✅ Inline with market

No comparable rentals found in 33604

Purchase + Close$530,450

Reno Cost$5,755

Holding (6mo)$33,459

Total All-In$569,664

ARV$533,365

Selling Costs 8%$42,669

Flip Profit$-78,969

Flip ROI-201%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

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🔒 Pro Feature

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Pri	Upgrade	Cost	Value Add	ROI
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$4,730	+$14,190	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
HIGH	Door/Cabinet Hardware	$475	+$1,425	300%
📌 Matte black or brushed nickel hardware instantly modernizes a space for under $500 — biggest visual impact per dollar.

RENO COST

$5,755

VALUE ADDED

+$18,365

OVERALL ROI

319%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (319%)
• Negative cashflow ($-2,744/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,744/mo)

🛡 NEIGHBORHOOD SAFETY

4/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

21/100

❌ Skip

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

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🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
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📈 10-YEAR EQUITY PROJECTION

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🔨 FIX & FLIP ANALYSIS

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1911 W Cherry St Single

Tampa, FL 33607 · 3bd/2.0ba · 1,056sf · Built 1976

$425,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $14,875

Loan Amount: $417,302

Fees / MIP: $7,177

Closing Costs: $12,750

Reserves (3mo): $8,767

Total Cash Needed: $36,392

Monthly Expenses

Mortgage P&I+MIP: $2,922.38

Property Tax: $690.62

Insurance: $150.00

HOA: $0.00

Maint + CapEx: $495.84

Vacancy + Mgmt: $296.27

Total: $4,555.10/mo

Returns

Market Rent (all units): $2,279

Your Rental Income: $2,279

Cashflow: $-2,276/mo

Annual: $-27,314/yr

Cash-on-Cash ROI: -75.0%

Cap Rate: 1.8% · DSCR: 0.22x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,276/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: $-1,407/mo (vs $-2,276/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,369/mo — saves $908/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-1,855/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-2,723/mo

STR vs LTR

-61%

BREAKEVEN OCC

86%

STR EXPENSES BREAKDOWN

Platform fees: $110
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

🛡

LTR is safer bet

LTR: $-2,276/mo · STR: $-2,723/mo · CoC ROI: -83.8%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,278/mo

RANGE

$2,278 – $2,278

CONFIDENCE

LOW

N/A

Our estimate $2,278/mo ✅ Inline with market

No comparable rentals found in 33607

Purchase + Close$437,750

Reno Cost$71,133

Holding (6mo)$27,331

Total All-In$536,213

ARV$551,414

Selling Costs 8%$44,113

Flip Profit$-28,912

Flip ROI-29%

📍 NEIGHBORHOOD SCORE 🔒 Pro

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Pri	Upgrade	Cost	Value Add	ROI
CRIT	New A/C System	$7,500	+$9,750	130%
📌 This property is ~50 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$2,904	+$8,712	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.

RENO COST

$71,133

VALUE ADDED

+$126,414

OVERALL ROI

178%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$55,282)
• Excellent reno ROI (178%)
• Older build (1976) — high value-add potential
• Negative cashflow ($-2,276/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,276/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

4/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

21/100

❌ Skip

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

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🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
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📈 10-YEAR EQUITY PROJECTION

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🔨 FIX & FLIP ANALYSIS

▶

10606 Drayton Ct Single

Tampa, FL 33626 · 3bd/2.5ba · 1,537sf · Built 2000

$449,900
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $15,746

Loan Amount: $441,751

Fees / MIP: $7,598

Closing Costs: $13,497

Reserves (3mo): $9,281

Total Cash Needed: $38,524

Monthly Expenses

Mortgage P&I+MIP: $3,093.61

Property Tax: $731.09

Insurance: $204.93

HOA: $278.00

Maint + CapEx: $524.89

Vacancy + Mgmt: $341.89

Total: $5,174.41/mo

Returns

Market Rent (all units): $2,630

Your Rental Income: $2,630

Cashflow: $-2,544/mo

Annual: $-30,534/yr

Cash-on-Cash ROI: -79.3%

Cap Rate: 1.5% · DSCR: 0.18x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,544/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: $-1,625/mo (vs $-2,544/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,584/mo — saves $961/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-3,289/mo

STR vs LTR

-69%

BREAKEVEN OCC

94%

STR EXPENSES BREAKDOWN

Platform fees: $110
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

🛡

LTR is safer bet

LTR: $-2,544/mo · STR: $-3,289/mo · CoC ROI: -97.2%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,629/mo

RANGE

$2,629 – $2,629

CONFIDENCE

LOW

N/A

Our estimate $2,629/mo ✅ Inline with market

No comparable rentals found in 33626

Purchase + Close$463,397

Reno Cost$55,324

Holding (6mo)$31,046

Total All-In$549,767

ARV$558,502

Selling Costs 8%$44,680

Flip Profit$-35,945

Flip ROI-43%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~26 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$4,227	+$12,680	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
HIGH	New Water Heater	$2,650	+$3,445	130%
📌 Water heaters last 10–15 yrs. At ~26 yrs, replacement likely before or shortly after purchase.
HIGH	Door/Cabinet Hardware	$475	+$1,425	300%
📌 Matte black or brushed nickel hardware instantly modernizes a space for under $500 — biggest visual impact per dollar.

RENO COST

$55,324

VALUE ADDED

+$108,602

OVERALL ROI

196%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$53,278)
• Excellent reno ROI (196%)
• Aging property (2000) — renovation upside
• Negative cashflow ($-2,544/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,544/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

7/10 Safe

Average to below-average crime, generally safe area

AI Deal Score

29/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Hillsborough County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

106 S Habana Ave #7 Single

Tampa, FL 33609 · 2bd/1.5ba · 1,020sf · Built 1983

$359,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

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

FURNITURE SETUP

Furniture: $6,100
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

Purchase + Close$369,770

Reno Cost$65,217

Holding (6mo)$24,425

Total All-In$459,412

ARV$474,906

Selling Costs 8%$37,992

Flip Profit$-22,499

Flip ROI-25%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~43 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$2,805	+$8,415	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.

RENO COST

$65,217

VALUE ADDED

+$115,906

OVERALL ROI

178%

🔨 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

AI Deal Score

24/100

❌ Skip

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Hillsborough County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

777 N Ashley Dr #1010 Single

Tampa, FL 33602 · 1bd/1.0ba · 846sf · Built 2007

$525,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $18,375

Loan Amount: $515,491

Fees / MIP: $8,866

Closing Costs: $15,750

Reserves (3mo): $10,830

Total Cash Needed: $44,955

Monthly Expenses

Mortgage P&I+MIP: $3,610.00

Property Tax: $853.12

Insurance: $150.00

HOA: $879.00

Maint + CapEx: $612.50

Vacancy + Mgmt: $250.19

Total: $6,354.81/mo

Returns

Market Rent (all units): $1,925

Your Rental Income: $1,925

Cashflow: $-4,430/mo

Annual: $-53,164/yr

Cash-on-Cash ROI: -118.3%

Cap Rate: -1.9% · DSCR: -0.23x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,430/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: $-3,357/mo (vs $-4,430/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-3,309/mo — saves $1,121/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-5,032/mo

STR vs LTR

-84%

BREAKEVEN OCC

100%

STR EXPENSES BREAKDOWN

Platform fees: $65
Cleaning: $396
Management (20%): $432
Utilities: $275
Taxes (12%): $259
Other: $213

FURNITURE SETUP

Furniture: $4,300
Appliances: $800
Kitchen + Linens: $750
Electronics: $600
Decor + Supplies: $700
Total Setup: $7,450

🛡

LTR is safer bet

LTR: $-4,430/mo · STR: $-5,032/mo · CoC ROI: -145.3%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,924/mo

RANGE

$1,924 – $1,924

CONFIDENCE

LOW

N/A

Our estimate $1,924/mo ✅ Inline with market

No comparable rentals found in 33602

Purchase + Close$540,750

Reno Cost$44,302

Holding (6mo)$38,129

Total All-In$623,181

ARV$610,961

Selling Costs 8%$48,877

Flip Profit$-61,097

Flip ROI-78%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~19 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$2,326	+$6,980	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
HIGH	New Water Heater	$2,650	+$3,445	130%
📌 Water heaters last 10–15 yrs. At ~19 yrs, replacement likely before or shortly after purchase.
HIGH	Door/Cabinet Hardware	$475	+$1,425	300%
📌 Matte black or brushed nickel hardware instantly modernizes a space for under $500 — biggest visual impact per dollar.

RENO COST

$44,302

VALUE ADDED

+$85,961

OVERALL ROI

194%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$41,659)
• Excellent reno ROI (194%)
• Negative cashflow ($-4,430/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,430/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

4/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

17/100

❌ Skip

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
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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Carlos M.4h ago

💾 saved a deal

7104 SW 114th Pl Unit A

💾 saved 7104 SW 114th Pl Unit A — $-2,570/mo cash flow F grade

SpillDeals v5 · Estimates only — verify before making offers

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Florida Investment Property Deals — Graded A–F | SpillDeals

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