SUBJECT-TO CASH FLOW OPPORTUNITY — 312 S RIVERHILLS DR, TAMPA, FL 33617 — $80,000 ENTRY

Here's one for the subject-to players. Tampa location, 4 bed 4 bath, over 3,200 square feet, sitting on a 3.25% first mortgage nobody's writing anymore. Buyer steps into title, existing financing stays in place, and you're in the deal for $80,000 plus closing costs. This is a rate you cannot recreate at the bank right now, attached to a property sitting in one of the strongest rental corridors in Tampa, with real equity underneath it.

THE NUMBERS

Address: Tampa, FL 33617

4 Bed / 4 Bath - 3,288 Sq Ft

Entry: $80,000 plus closing costs

Freddie Mac BPO/Automated Value: approx $748,256

Total Existing Debt: $721,731

1st Mortgage: $621,732 at 3.25% interest

HELOC: $100,000 - HELOC Payment approx $678/mo

PENDING LOAN MODIFICATION

Trial Payment: $3,472.79/mo

Rate: 3.25%

Proposed Deferred Principal: $203,137.79

Proposed Maturity: 11/1/2066

Trial Payments: September, October, November 2026

Estimated Combined Payment After Modification: $4,151/mo including HELOC

Modification is currently in the trial period and is not yet permanent, final terms are subject to successful completion and lender execution

RENTAL POTENTIAL

Long-Term Rental: $4,500 to $5,000/mo

Zillow Rent Estimate: $4,892/mo

Furnished / Mid-Term Rental: $4,500 to $6,000/mo depending on setup

Short-Term Rental Market ADR: $228 to $244/night

Short-Term Rental Market Occupancy: 37% to 59%

Located near USF, Busch Gardens, the Moffitt and medical corridor, and the Hillsborough River, supporting multiple rental strategies

SUBJECT-TO STRUCTURE

Existing financing remains in place, no formal loan assumption

Buyer takes title

Property delivered vacant

Buyer pays closing costs

3.25% first mortgage stays attached to the property

IMPORTANT DISCLOSURE Existing loans on this property are currently delinquent. As of a recent servicer statement, reinstatement to bring the loan current was approximately $67,806, and current reinstatement/cure figures are to be verified prior to closing as this number moves with time. Access by appointment only. This is a subject-to acquisition, buyer is advised to consult qualified legal and financial counsel regarding the risks of taking title subject to existing financing, including due-on-sale risk.

EXIT STRATEGIES

Hold as a long-term rental at an estimated $4,500 to $5,000/mo against a $4,151/mo combined payment after modification

Furnish and run as a mid-term rental near USF and the Moffitt/medical corridor for $4,500 to $6,000/mo

Operate as a short-term rental capturing Busch Gardens and USF-driven demand at $228 to $244/night ADR

Ride the 3.25% rate and refinance or sell equity position down the line

DEAL TERMS

Entry Price: $821,731 plus closing costs

Buyer takes title subject to existing financing

$425 transaction coordination fee paid by buyer

This is a rate you can't touch anywhere else right now, sitting on a property with a BPO value nearly $750K against an all-in debt stack of $721K, plus three separate rental strategies stacked underneath it.