861 E Lowell St, Lakeland, FL 33805

Lakeland, FL 33805 · 4 bd · 2 ba · 1,201 sqft · Single Family · 18 days on market

The math, in full

Asking price: $249,900
Down payment (15%): $37,485
Loan amount: $212,415
Est. monthly rent: $2,495/mo; Range $2,121 to $2,869/mo
Monthly payment, all-in: $2,053/mo; Mortgage + taxes + insurance (PITIA)
Cashflow ratio (DSCR): 1.22; $2,495 rent ÷ $2,053 payment
Monthly cashflow: +$442/mo; What's left after the payment

Where the rent number comes from

Median asking rent for 4-bedroom homes in zip 33805, from current market comps, not a per-property guess. High confidence: plenty of comparable rentals in this zip.

Cash to start

$37,485

15% down on $249,900

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.