820 Ave Z, NW, Winter Haven, FL 33881

Winter Haven, FL 33881 · 3 bd · 2 ba · 2,082 sqft · Single Family · 39 days on market

The math, in full

Asking price: $197,500
Down payment (15%): $29,625
Loan amount: $167,875
Est. monthly rent: $1,898/mo; Range $1,613 to $2,183/mo
Monthly payment, all-in: $1,622/mo; Mortgage + taxes + insurance (PITIA)
Cashflow ratio (DSCR): 1.17; $1,898 rent ÷ $1,622 payment
Monthly cashflow: +$276/mo; What's left after the payment

Where the rent number comes from

Median asking rent for 3-bedroom homes in zip 33881, from current market comps, not a per-property guess. High confidence: plenty of comparable rentals in this zip.

Cash to start

$29,625

15% down on $197,500

Your local lender

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Screened against real lending criteria. This one fits 3 programs.
Qualifies on the property's rent, no W-2 or tax returns.
Listing data verified as of July 5, 2026.

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Rent, payment, and cashflow figures are estimates based on current market data and business-purpose investment-loan criteria, for non-owner-occupied property. Not a commitment to lend, not financial advice, and not an offer of any specific loan or property. Listing data may change; properties may sell. All terms confirmed by a loan officer and subject to underwriting and appraisal.