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Tampa, FL, Investor Yield Index

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

Figures use live Zillow medians, not a lender quote. Run your real numbers below.

30-yr mortgage: 6.80% DSCR loan: 7.75% Hard money: 11.50% Updated Jun 19, 2026, 11:13 PM Live
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. The 89/100 score ranks Tampa #5 of 18 for relative cash flow, a larger down payment or a rate buydown is the usual path to qualify.

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 few U.S. metros clear positive cash flow 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 figures for relative comparison, not lender quotes or investment advice.