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For salePrice cut −$25,000

3111 W Spruce St

Tampa, FL 33607View map

  • Duplex
  • 8 bd
  • 5 ba
  • 3,185 sq ft

$949,900

List price

See the numbersRent, payment and Nets at 20, 25 and 30% down
3111 W Spruce St, Tampa, FL

Our test at 20, 25 and 30% down

Does it carry itself?

Not nets positive, even at 30% down

  • 20% downNot nets positive
  • 25% downNot nets positive
  • 30% downNot nets positive

Members see the rent, the monthly payment and what it nets at each down payment.

For members

What members see

  • The estimated rent and its range, based on two independent rent estimates
  • The monthly payment (PITIA) at 20, 25 and 30% down
  • What it nets each month at each down payment
  • DSCR, the ratio a lender measures, at each down payment
  • The price it nets positive at
  • A calculator to change any assumption
See the numbersHow pricing works

How we test a home

Every home we list gets the same test.

Rent
A 12-month unfurnished lease, based on two independent rent estimates. Never a seasonal or short-term rent.
Property tax
Tax is estimated at the buyer's reassessed value. Where the listing's own tax bill is higher, we use the bill.
Insurance
An estimate from local rates for a home this size. Its flood zone is not checked yet.
HOA
Not listed; we use an estimate from similar homes on the street.
Loan
7.625% interest over 30 years, at 20, 25 and 30% down.
Nets positive
When its rent covers the whole monthly payment: loan, tax, insurance and HOA (PITIA). We use gross rent, as a DSCR lender does, with nothing set aside for vacancy, repairs, capex or management.

Facts

Type
Duplex
Units
2 (inferred)
Bedrooms
8
Bathrooms
5
Size
3,185 sq ft
Year built
Not listed
HOA fee
Not listed
Annual tax bill
Not listed
Days on market
44 days (listed Sep 22, 2026)
Price cut
−$25,000 (price last changed Oct 27, 2026)
Status
For sale

Location

Pinned from the listing's street address.

More homes for sale in Tampa

4,173 homes for sale in Tampa

In Tampa, 101 nets positive at 20% down. Members see which ones, with the rent, the monthly payment and what each one nets.

See which ones

Listing information comes from third-party sources and may be wrong or out of date. Our rent, tax and insurance figures are estimates for screening, not advice. Verify taxes, insurance, HOA and rents before you offer.