🏠 Rental Deal Analyzer

Updated: 2026-04-07 01:40 UTC 📥 Download CSV
All dollar values shown are monthly estimates  |  Defaults to $125,000 down payment  |  Target: 20% cash flow over monthly expenses  |  FL market — verify independently.
Current assumptions (Apr 2026): 30-yr fixed @ 6.5% (Freddie Mac)  |  Insurance: ~1% of value/yr (FL inland avg)  |  Vacancy: 5%  |  Maintenance: 8% of rent  |  Property tax: ~0.71–0.85% of assessed value  |  Self-managed (no property management fee)
W Lansdowne Ave Orange City Fl, FL
Orange City · Single-Family Home
BUY
$219,900 4BR / 2.0BA · 1323 sqft
Score: 82.0 $920/mo CF CoC: 8.8% $125,000 down Fair
📊 Monthly — At Your $125,000 Down
Rent (/mo)+$2,200
Mortgage P&I (/mo @ 7%)−$600
Property Tax (/mo)−$158
Insurance (/mo)−$221
Maintenance (/mo @ 10%)−$200
Vacancy (/mo @ 8%)−$100
Cash Flow (/mo)$920
🎯 To Hit 20% Monthly CF
✅ $20,000.0 — you're covered at $125,000 down
Target CF (/mo, 20% of expenses)+$260
Non-Mortgage Expenses (/mo)−$680
Max Mortgage Allowed (/mo)$1,384
✅ Positives
  • 4BR/$2200/mo — strong family rental demand
  • Annual insurance ~$2,650 — better than typical FL
  • ✅ Positive CF of $920.0/mo = $11040.0/yr at $125,000 down
  • ✅ Already above required down payment ($125,000 vs $20,000.0 min)
⚠️ Negatives
  • None identified
BUY — Strong overall score and positive cash flow at $150K down
ZILLOW ↗ 🏠 Rent Est. on Zillow ↗
309 Riviera Dr Debary, Fl 32713
DeBary · Single-Family Home
BUY
$239,000 3BR / 2.0BA · 1320 sqft
Score: 84.2 $430/mo CF CoC: 4.1% $125,000 down Fair
📊 Monthly — At Your $125,000 Down
Rent (/mo)+$1,750
Mortgage P&I (/mo @ 7%)−$721
Property Tax (/mo)−$167
Insurance (/mo)−$229
Maintenance (/mo @ 10%)−$100
Vacancy (/mo @ 8%)−$100
Cash Flow (/mo)$430
🎯 To Hit 20% Monthly CF
✅ $98,000.0 — you're covered at $125,000 down
Target CF (/mo, 20% of expenses)+$260
Non-Mortgage Expenses (/mo)−$599
Max Mortgage Allowed (/mo)$1,031
✅ Positives
  • 3BR/$1750/mo — strong family rental demand
  • New roof — reduces insurance risk
  • Updated bath — reduces turnover risk
  • DeBary — lower entry price point, better CF math
  • Annual insurance ~$2,750 — better than typical FL
  • ✅ Positive CF of $430.0/mo = $5160.0/yr at $125,000 down
⚠️ Negatives
  • Purchase price $239,000 — expensive for cash flow math
BUY — Strong overall score and positive cash flow at $150K down
ZILLOW ↗ 🏠 Rent Est. on Zillow ↗
S Edgemon Ave Winter Springs Fl, FL
Winter Springs · Single-Family Home
BUY
$250,000 3BR / 2.0BA · 1545 sqft
Score: 84.2 $410/mo CF CoC: 3.9% $125,000 down Fair
📊 Monthly — At Your $125,000 Down
Rent (/mo)+$1,850
Mortgage P&I (/mo @ 7%)−$790
Property Tax (/mo)−$175
Insurance (/mo)−$271
Maintenance (/mo @ 10%)−$100
Vacancy (/mo @ 8%)−$100
Cash Flow (/mo)$410
🎯 To Hit 20% Monthly CF
✅ $105,000.0 — you're covered at $125,000 down
Target CF (/mo, 20% of expenses)+$290
Non-Mortgage Expenses (/mo)−$650
Max Mortgage Allowed (/mo)$1,070
✅ Positives
  • 3BR/$1850/mo — strong family rental demand
  • 1,545 sqft — commands premium rent
  • No HOA — keeps monthly costs predictable
  • Annual insurance ~$3,250 — better than typical FL
  • ✅ Positive CF of $410.0/mo = $4920.0/yr at $125,000 down
  • ✅ Already above required down payment ($125,000 vs $105,000.0 min)
⚠️ Negatives
  • Purchase price $250,000 — expensive for cash flow math
BUY — Strong overall score and positive cash flow at $150K down
ZILLOW ↗ 🏠 Rent Est. on Zillow ↗
Cherokee Cir Sanford Fl, FL
Sanford · Single-Family Home
BUY
$259,000 3BR / 2.0BA · 1040 sqft
Score: 75.2 $395/mo CF CoC: 3.8% $125,000 down Fair
📊 Monthly — At Your $125,000 Down
Rent (/mo)+$1,975
Mortgage P&I (/mo @ 7%)−$847
Property Tax (/mo)−$150
Insurance (/mo)−$279
Maintenance (/mo @ 10%)−$200
Vacancy (/mo @ 8%)−$100
Cash Flow (/mo)$395
🎯 To Hit 20% Monthly CF
✅ $112,000.0 — you're covered at $125,000 down
Target CF (/mo, 20% of expenses)+$320
Non-Mortgage Expenses (/mo)−$733
Max Mortgage Allowed (/mo)$1,095
✅ Positives
  • 3BR/$1975/mo — strong family rental demand
  • No HOA — keeps monthly costs predictable
  • Garage/carport — desirable in FL heat
  • Central A/C — essential for FL rental
  • Annual insurance ~$3,350 — better than typical FL
  • ✅ Positive CF of $395.0/mo = $4740.0/yr at $125,000 down
⚠️ Negatives
  • Purchase price $259,000 — expensive for cash flow math
BUY — Strong overall score and positive cash flow at $150K down
ZILLOW ↗ 🏠 Rent Est. on Zillow ↗
N Fairbairn Dr Deltona Fl, FL
Deltona · Single-Family Home
CONDITIONAL
$279,000 3BR / 2.0BA · 1390 sqft
Score: 66.2 $210/mo CF CoC: 2.0% $125,000 down Fair
📊 Monthly — At Your $125,000 Down
Rent (/mo)+$1,850
Mortgage P&I (/mo @ 7%)−$973
Property Tax (/mo)−$200
Insurance (/mo)−$267
Maintenance (/mo @ 10%)−$100
Vacancy (/mo @ 8%)−$100
Cash Flow (/mo)$210
🎯 To Hit 20% Monthly CF
⛔ ~$144,000.0 needed (+$19,000.0 more)
Target CF (/mo, 20% of expenses)+$330
Non-Mortgage Expenses (/mo)−$667
Max Mortgage Allowed (/mo)$1,050
✅ Positives
  • 3BR/$1850/mo — strong family rental demand
  • New roof — reduces insurance risk
  • Updated kitchen — justifies higher rent
  • Deltona — lower entry price point, better CF math
  • Annual insurance ~$3,200 — better than typical FL
  • ✅ Positive CF of $210.0/mo = $2520.0/yr at $125,000 down
⚠️ Negatives
  • Purchase price $279,000 — expensive for cash flow math
  • Need ~$144,000.0 down to hit 20% CF target (+$19,000.0 more)
CONDITIONAL — Decent deal at $150K down — negotiate price down if possible
ZILLOW ↗ 🏠 Rent Est. on Zillow ↗

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Beau Ct Orange City Fl, FL
Orlando · Duplex / Two-Unit
SKIP
$420,000 4BR / 4.0BA · 2178 sqft
Score: 47.9 $-375/mo CF CoC: -3.6% $125,000 down Fair
📊 Monthly — At Your $125,000 Down
Rent (/mo)+$2,425
Mortgage P&I (/mo @ 7%)−$1,865
Property Tax (/mo)−$300
Insurance (/mo)−$338
Maintenance (/mo @ 10%)−$200
Vacancy (/mo @ 8%)−$100
Cash Flow (/mo)$-375
🎯 To Hit 20% Monthly CF
⛔ ~$273,000.0 needed (+$148,000.0 more)
Target CF (/mo, 20% of expenses)+$560
Non-Mortgage Expenses (/mo)−$935
Max Mortgage Allowed (/mo)$1,303
✅ Positives
  • 4BR/$2425/mo — strong family rental demand
  • 2,178 sqft — commands premium rent
  • Garage/carport — desirable in FL heat
  • New roof — reduces insurance risk
  • Annual insurance ~$4,050 — better than typical FL
⚠️ Negatives
  • Purchase price $420,000 — expensive for cash flow math
  • ❌ Negative CF of $375.0/mo at $125,000 down — $4500.0/yr drag
  • Need ~$273,000.0 down to hit 20% CF target (+$148,000.0 more)
SKIP — Cash flow math doesn't work at $150K down — price too high for the corridor
ZILLOW ↗ 🏠 Rent Est. on Zillow ↗ 2026-04-07 01:40 UTC
Land Ave Longwood Fl, FL
Longwood · Duplex / Two-Unit
SKIP
$395,000 4BR / 2.0BA · 1592 sqft
Score: 52.4 $-285/mo CF CoC: -2.7% $125,000 down Fair
📊 Monthly — At Your $125,000 Down
Rent (/mo)+$2,425
Mortgage P&I (/mo @ 7%)−$1,707
Property Tax (/mo)−$283
Insurance (/mo)−$425
Maintenance (/mo @ 10%)−$200
Vacancy (/mo @ 8%)−$100
Cash Flow (/mo)$-285
🎯 To Hit 20% Monthly CF
⛔ ~$256,000.0 needed (+$131,000.0 more)
Target CF (/mo, 20% of expenses)+$540
Non-Mortgage Expenses (/mo)−$1,003
Max Mortgage Allowed (/mo)$1,221
✅ Positives
  • 4BR/$2425/mo — strong family rental demand
  • 1,592 sqft — commands premium rent
  • No HOA — keeps monthly costs predictable
  • Annual insurance ~$5,100 — better than typical FL
⚠️ Negatives
  • Purchase price $395,000 — expensive for cash flow math
  • ❌ Negative CF of $285.0/mo at $125,000 down — $3420.0/yr drag
  • Need ~$256,000.0 down to hit 20% CF target (+$131,000.0 more)
SKIP — Cash flow math doesn't work at $150K down — price too high for the corridor
ZILLOW ↗ 🏠 Rent Est. on Zillow ↗ 2026-04-07 01:40 UTC
Iris St Altamonte Springs Fl, FL
Altamonte Springs · Single-Family Home
SKIP
$426,790 3BR / 2.0BA · 1707 sqft
Score: 33.6 $-810/mo CF CoC: -7.8% $125,000 down Fair
📊 Monthly — At Your $125,000 Down
Rent (/mo)+$2,250
Mortgage P&I (/mo @ 7%)−$1,908
Property Tax (/mo)−$300
Insurance (/mo)−$554
Maintenance (/mo @ 10%)−$200
Vacancy (/mo @ 8%)−$100
Cash Flow (/mo)$-810
🎯 To Hit 20% Monthly CF
⛔ ~$350,000.0 needed (+$225,000.0 more)
Target CF (/mo, 20% of expenses)+$610
Non-Mortgage Expenses (/mo)−$1,152
Max Mortgage Allowed (/mo)$867
✅ Positives
  • 3BR/$2250/mo — strong family rental demand
  • 1,707 sqft — commands premium rent
  • No HOA — keeps monthly costs predictable
  • Garage/carport — desirable in FL heat
  • Altamonte Springs — strong rental market, good tenant pool
⚠️ Negatives
  • Purchase price $426,790 — expensive for cash flow math
  • Pool — adds insurance cost and maintenance burden
  • ❌ Negative CF of $810.0/mo at $125,000 down — $9720.0/yr drag
  • Need ~$350,000.0 down to hit 20% CF target (+$225,000.0 more)
SKIP — Cash flow math doesn't work at $150K down — price too high for the corridor
ZILLOW ↗ 🏠 Rent Est. on Zillow ↗ 2026-04-05 16:40 UTC
Avocado Ave Sanford Fl, FL
Sanford · Single-Family Home
SKIP
$300,000 3BR / 2.0BA · 1218 sqft
Score: 55.1 $-135/mo CF CoC: -1.3% $125,000 down Poor / Needs Rehab
📊 Monthly — At Your $125,000 Down
Rent (/mo)+$1,675
Mortgage P&I (/mo @ 7%)−$1,106
Property Tax (/mo)−$175
Insurance (/mo)−$325
Maintenance (/mo @ 10%)−$100
Vacancy (/mo @ 8%)−$100
Cash Flow (/mo)$-135
🎯 To Hit 20% Monthly CF
⛔ ~$203,000.0 needed (+$78,000.0 more)
Target CF (/mo, 20% of expenses)+$360
Non-Mortgage Expenses (/mo)−$704
Max Mortgage Allowed (/mo)$830
✅ Positives
  • 3BR/$1675/mo — strong family rental demand
  • No HOA — keeps monthly costs predictable
  • Updated kitchen — justifies higher rent
  • Updated bath — reduces turnover risk
  • Annual insurance ~$3,900 — better than typical FL
⚠️ Negatives
  • Purchase price $300,000 — expensive for cash flow math
  • Needs rehab — timeline to rent + potential overage costs
  • ❌ Negative CF of $135.0/mo at $125,000 down — $1620.0/yr drag
  • Need ~$203,000.0 down to hit 20% CF target (+$78,000.0 more)
SKIP — Cash flow math doesn't work at $150K down — price too high for the corridor
ZILLOW ↗ 🏠 Rent Est. on Zillow ↗ 2026-04-05 15:51 UTC
Mayflower Ave Deltona Fl, FL
Deltona · Single-Family Home
CONDITIONAL
$295,400 3BR / 2.0BA · 1298 sqft
Score: 64.0 $75/mo CF CoC: 0.7% $125,000 down Fair
📊 Monthly — At Your $125,000 Down
Rent (/mo)+$1,825
Mortgage P&I (/mo @ 7%)−$1,077
Property Tax (/mo)−$208
Insurance (/mo)−$267
Maintenance (/mo @ 10%)−$100
Vacancy (/mo @ 8%)−$100
Cash Flow (/mo)$75
🎯 To Hit 20% Monthly CF
⛔ ~$169,000.0 needed (+$44,000.0 more)
Target CF (/mo, 20% of expenses)+$350
Non-Mortgage Expenses (/mo)−$673
Max Mortgage Allowed (/mo)$1,017
✅ Positives
  • 3BR/$1825/mo — strong family rental demand
  • Garage/carport — desirable in FL heat
  • Deltona — lower entry price point, better CF math
  • Annual insurance ~$3,200 — better than typical FL
  • ✅ Positive CF of $75.0/mo = $900.0/yr at $125,000 down
⚠️ Negatives
  • Purchase price $295,400 — expensive for cash flow math
  • Need ~$169,000.0 down to hit 20% CF target (+$44,000.0 more)
CONDITIONAL — Decent deal at $150K down — negotiate price down if possible
ZILLOW ↗ 🏠 Rent Est. on Zillow ↗ 2026-04-05 15:51 UTC
309 Riviera Dr Debary, Fl 32713
DeBary · Single-Family Home
BUY
$239,000 3BR / 2.0BA · 1320 sqft
Score: 84.2 $430/mo CF CoC: 4.1% $125,000 down Fair
📊 Monthly — At Your $125,000 Down
Rent (/mo)+$1,750
Mortgage P&I (/mo @ 7%)−$721
Property Tax (/mo)−$167
Insurance (/mo)−$229
Maintenance (/mo @ 10%)−$100
Vacancy (/mo @ 8%)−$100
Cash Flow (/mo)$430
🎯 To Hit 20% Monthly CF
✅ $98,000.0 — you're covered at $125,000 down
Target CF (/mo, 20% of expenses)+$260
Non-Mortgage Expenses (/mo)−$599
Max Mortgage Allowed (/mo)$1,031
✅ Positives
  • 3BR/$1750/mo — strong family rental demand
  • New roof — reduces insurance risk
  • Updated bath — reduces turnover risk
  • DeBary — lower entry price point, better CF math
  • Annual insurance ~$2,750 — better than typical FL
  • ✅ Positive CF of $430.0/mo = $5160.0/yr at $125,000 down
⚠️ Negatives
  • Purchase price $239,000 — expensive for cash flow math
BUY — Strong overall score and positive cash flow at $150K down
ZILLOW ↗ 🏠 Rent Est. on Zillow ↗ 2026-04-05 15:51 UTC
S Edgemon Ave Winter Springs Fl, FL
Winter Springs · Single-Family Home
BUY
$250,000 3BR / 2.0BA · 1545 sqft
Score: 84.2 $410/mo CF CoC: 3.9% $125,000 down Fair
📊 Monthly — At Your $125,000 Down
Rent (/mo)+$1,850
Mortgage P&I (/mo @ 7%)−$790
Property Tax (/mo)−$175
Insurance (/mo)−$271
Maintenance (/mo @ 10%)−$100
Vacancy (/mo @ 8%)−$100
Cash Flow (/mo)$410
🎯 To Hit 20% Monthly CF
✅ $105,000.0 — you're covered at $125,000 down
Target CF (/mo, 20% of expenses)+$290
Non-Mortgage Expenses (/mo)−$650
Max Mortgage Allowed (/mo)$1,070
✅ Positives
  • 3BR/$1850/mo — strong family rental demand
  • 1,545 sqft — commands premium rent
  • No HOA — keeps monthly costs predictable
  • Annual insurance ~$3,250 — better than typical FL
  • ✅ Positive CF of $410.0/mo = $4920.0/yr at $125,000 down
  • ✅ Already above required down payment ($125,000 vs $105,000.0 min)
⚠️ Negatives
  • Purchase price $250,000 — expensive for cash flow math
BUY — Strong overall score and positive cash flow at $150K down
ZILLOW ↗ 🏠 Rent Est. on Zillow ↗ 2026-04-05 15:51 UTC
Cherokee Cir Sanford Fl, FL
Sanford · Single-Family Home
BUY
$259,000 3BR / 2.0BA · 1040 sqft
Score: 75.2 $395/mo CF CoC: 3.8% $125,000 down Fair
📊 Monthly — At Your $125,000 Down
Rent (/mo)+$1,975
Mortgage P&I (/mo @ 7%)−$847
Property Tax (/mo)−$150
Insurance (/mo)−$279
Maintenance (/mo @ 10%)−$200
Vacancy (/mo @ 8%)−$100
Cash Flow (/mo)$395
🎯 To Hit 20% Monthly CF
✅ $112,000.0 — you're covered at $125,000 down
Target CF (/mo, 20% of expenses)+$320
Non-Mortgage Expenses (/mo)−$733
Max Mortgage Allowed (/mo)$1,095
✅ Positives
  • 3BR/$1975/mo — strong family rental demand
  • No HOA — keeps monthly costs predictable
  • Garage/carport — desirable in FL heat
  • Central A/C — essential for FL rental
  • Annual insurance ~$3,350 — better than typical FL
  • ✅ Positive CF of $395.0/mo = $4740.0/yr at $125,000 down
⚠️ Negatives
  • Purchase price $259,000 — expensive for cash flow math
BUY — Strong overall score and positive cash flow at $150K down
ZILLOW ↗ 🏠 Rent Est. on Zillow ↗ 2026-04-05 15:51 UTC
W Lansdowne Ave Orange City Fl, FL
Orange City · Single-Family Home
BUY
$219,900 4BR / 2.0BA · 1323 sqft
Score: 82.0 $920/mo CF CoC: 8.8% $125,000 down Fair
📊 Monthly — At Your $125,000 Down
Rent (/mo)+$2,200
Mortgage P&I (/mo @ 7%)−$600
Property Tax (/mo)−$158
Insurance (/mo)−$221
Maintenance (/mo @ 10%)−$200
Vacancy (/mo @ 8%)−$100
Cash Flow (/mo)$920
🎯 To Hit 20% Monthly CF
✅ $20,000.0 — you're covered at $125,000 down
Target CF (/mo, 20% of expenses)+$260
Non-Mortgage Expenses (/mo)−$680
Max Mortgage Allowed (/mo)$1,384
✅ Positives
  • 4BR/$2200/mo — strong family rental demand
  • Annual insurance ~$2,650 — better than typical FL
  • ✅ Positive CF of $920.0/mo = $11040.0/yr at $125,000 down
  • ✅ Already above required down payment ($125,000 vs $20,000.0 min)
⚠️ Negatives
  • None identified
BUY — Strong overall score and positive cash flow at $150K down
ZILLOW ↗ 🏠 Rent Est. on Zillow ↗ 2026-04-05 15:51 UTC
Lormann Cir Longwood Fl, FL
Longwood · Single-Family Home
CONDITIONAL
$299,490 3BR / 2.0BA · 969 sqft
Score: 68.5 $210/mo CF CoC: 2.0% $125,000 down Fair
📊 Monthly — At Your $125,000 Down
Rent (/mo)+$2,100
Mortgage P&I (/mo @ 7%)−$1,103
Property Tax (/mo)−$208
Insurance (/mo)−$283
Maintenance (/mo @ 10%)−$200
Vacancy (/mo @ 8%)−$100
Cash Flow (/mo)$210
🎯 To Hit 20% Monthly CF
⛔ ~$153,000.0 needed (+$28,000.0 more)
Target CF (/mo, 20% of expenses)+$380
Non-Mortgage Expenses (/mo)−$787
Max Mortgage Allowed (/mo)$1,155
✅ Positives
  • 3BR/$2100/mo — strong family rental demand
  • No HOA — keeps monthly costs predictable
  • Garage/carport — desirable in FL heat
  • New roof — reduces insurance risk
  • Annual insurance ~$3,400 — better than typical FL
  • ✅ Positive CF of $210.0/mo = $2520.0/yr at $125,000 down
⚠️ Negatives
  • Purchase price $299,490 — expensive for cash flow math
  • 969 sqft — small, limits tenant pool
  • Need ~$153,000.0 down to hit 20% CF target (+$28,000.0 more)
CONDITIONAL — Decent deal at $150K down — negotiate price down if possible
ZILLOW ↗ 🏠 Rent Est. on Zillow ↗ 2026-04-05 15:51 UTC
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📐 Calculation Assumptions

Down Payment
$125,000 flat (default)
Loan Term
30-year fixed
Interest Rate
6.5% APR (Freddie Mac, Apr 2 2026)
Mortgage Type
Standard amortization (P&I)
Vacancy Allowance
5% of monthly rent
Maintenance
8% of monthly rent
Insurance
~1% of property value/yr (FL inland avg)
Property Tax
~0.71–0.85% of assessed value (Seminole / Volusia counties)
Property Management
None (self-managed)
Target Cash Flow
20% above all monthly expenses (CoC = CF×12 ÷ Down Payment)
Cash Flow Verdict
BUY ≥$200/mo  |  CONDITIONAL $0–$199/mo  |  SKIP negative CF
Rent Estimate Basis
Beds + sqft + city ± condition/features (conservative, market-validated)