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Tampa, FL, Investor Yield Index

A median Tampa rental cash-flows today but sits just under the DSCR loan line. It scores 89/100 (grade A) and ranks #5 of 18 tracked metros. At the Tampa-St. Petersburg median of $236,141 renting near $2,018/mo, the estimated DSCR is 1.05 and cash-on-cash is 1.02% at a 6.80% loan rate, which sits below the 1.2 lender minimum.

Prices and rents are live Zillow medians. The 6.80% 30-year rate is a current market estimate. Neither is a lender quote, so run your real numbers below.

30-yr mortgage
6.80%
DSCR loan
7.75%
Hard money
11.50%
Data source
Live Jun 19, 2026
A

Index 89/100 · rank #5

Cap rate

6.15%

Gross yield

10.25%

Median price

$236,141

DSCR

1.05

Cash-on-cash

1.02%

Monthly rent

$2,018

GRM

9.75
Below the DSCR line at standard terms. The estimated 1.05 DSCR falls short of the 1.2 minimum at 6.80% and 25% down, so net rent does not fully cover the debt payment. Cash-on-cash sits at 1.02%. A bigger down payment or a rate buydown is the usual way to close the gap. Tampa ranks #5 of 18 for relative cash flow, and only 4 metros currently clear the line.

Run the numbers on a Tampa deal

Pre-filled with Tampa medians. Adjust price, rent, and rate to your actual deal.

6.15%
Cap rate · DSCR 1.05 · cash-on-cash 1.02%
Gross yield
10.25%
Cap rate
6.15%
NOI / yr
$14,530
Loan amount
$177,106
Monthly P&I
$1,155
DSCR
1.05
Annual cash flow
$674
Cash-on-cash
1.02%
GRM
9.75
Rent / price
0.85%

Assumptions: 25% down + 3% closing costs, 40% opex/vacancy load 30-year amortization. Lenders typically require DSCR ≥ 1.2. Estimates, not a quote.

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Common questions about Tampa

Is Tampa, FL a good market for rental investors in 2026?

On the Investor Yield Index it scores 89/100 (grade A), ranking #5 of 18 tracked metros. The median price is $236,141 with rent around $2,018/mo, producing an estimated 6.15% cap rate and 1.05 DSCR at a 6.80% financing rate. At today's rates only 4 of the 18 tracked metros clear the 1.2 DSCR line on default terms, so the score is best read as where Tampa stands relative to other markets.

What is the cap rate in Tampa?

The model estimates a 6.15% cap rate at the median price-to-rent ratio, assuming a 40% operating-expense load. Your actual cap rate depends on the specific property and expenses.

Will a rental in Tampa qualify for a DSCR loan?

It’s tight. The estimated DSCR of 1.05 is below the typical 1.2 minimum at 6.80%; a larger down payment or rate buydown may be needed to qualify.

Markets ranked near Tampa

The closest metros above and below Tampa on the index, plus the top markets for comparison.

Cleveland, OH

100 · #1 · grade A

Memphis, TN

100 · #2 · grade A

Birmingham, AL

100 · #3 · grade A

Chicago, IL

100 · #4 · grade A

Indianapolis, IN

85 · #6 · grade A

Kansas City, MO

68 · #7 · grade A

Houston, TX

68 · #8 · grade A

San Antonio, TX

62 · #9 · grade A

See all 18 markets →

Index assumptions, 25% down, a 40% operating-expense load, 30-year amortization, and a 6.80% loan rate. DSCR is net operating income divided by annual debt service, lenders typically want at least 1.2. Cap rate, gross yield, DSCR, and cash-on-cash are weighted 30, 20, 30, and 20 percent. Prices and rents are live Zillow medians for the 18 tracked metros, the 6.80% 30-year rate is a current market estimate, and the numbers are for relative comparison, not lender quotes or investment advice.