Tampa, FL · Duplex
Tampa FL Duplex Rental Example
A duplex example in Tampa, Florida with estimated cash flow and return metrics under current financing assumptions.
Estimated deal metrics
Monthly cash flow
+$412/mo
After all expenses + mortgage
Cap rate
6.8%
Net operating income / price
Cash-on-cash return
5.3%
Annual cash / equity invested
DSCR
1.24
Income / mortgage payment
Assumptions used in this example
| Assumption | Value |
|---|---|
| Purchase price | $395,000 |
| Monthly rent | $3,800/mo |
| Down payment | 25% |
| Interest rate | 6.5% |
| Loan term | 30 years |
| Vacancy allowance | 7% |
| Property management | 10% |
| Maintenance | 5% |
| CapEx reserve | 5% |
| Annual property taxes | $3,950 |
| Annual insurance | $4,200 |
Risk factors to consider
- Florida insurance premiums have risen sharply — verify current rates with a local insurer.
- Duplex rent is split across two units; vacancy risk is higher if one unit turns.
- Hurricane and flood insurance may be required separately.
- Actual property taxes depend on the assessed value after purchase.
Frequently asked questions
- What does this example Duplex analysis show?
- This example models a Duplex in Tampa, FL using standard investor assumptions. It shows estimated monthly cash flow of $412, a cap rate of 6.8%, and a cash-on-cash return of 5.3%.
- Are these real deal numbers?
- No — this is an illustrative example using market-representative assumptions. The numbers are estimates intended to demonstrate how DealPrism models a deal. Actual returns depend on the specific property, financing terms, and local market conditions.
- How do I run this analysis on my own deal?
- Sign in to DealPrism and enter your own numbers — purchase price, rent, financing, and expense assumptions. You will get the same metrics instantly, tailored to your specific deal.
- What is DSCR and why does it matter?
- DSCR (Debt Service Coverage Ratio) measures how many times rental income covers the mortgage payment. This example shows a DSCR of 1.24. Lenders typically require a minimum of 1.20–1.25 for investment property loans. Below 1.0 means income does not cover the mortgage.
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