5937 Rosette St · Orlovista, FL 32835

$149,999

2 bd · 1.0 ba · 955 sqft · SingleFamily public records · 1 Days on market

Built 1956 5,642 sqft lot

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Why this score? — see what drove the C grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +23.8/30.0
• DSCR +7.7/10.0
• ARV discount +7.5/15.0
• 1% rule +5.8/10.0
• Schools +4.1/10.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

WOW ! GREAT INVESTMENT OPPORTUNITY DON'T LESS THIS PASS BY. .. FIXXER UPPER, HANDY MAN SPECIAL. GREAT LOCATION AND EXCELLENT SCHOOLS.

Key facts

• Open floor plan
• Space for gardening
• 5,642 sq ft lot

Tags

• OPEN FLOOR PLAN
• LARGE FRONT AND BACK YARD
• SPACE FOR ENTERTAINING
• SPACE FOR GARDENING
• SPACE FOR FUTURE EXPANSION

Property features AI

Finance

• Other: Property type: Residential (R-1 zoning); Lot about 0.13 acres
• HOA & community: No association

Exterior

• Utilities: Public water; Septic tank sewer; Public utilities
• Home design: Single family residence; One story; South-facing
• Construction: Wood siding; Shingle roof; Other foundation
• Exterior features: Paved road access

Interior

• Kitchen: No appliances included
• Bedrooms: 2 bedrooms
• Flooring: Laminate flooring; Tile flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Kitchen and family room combined; 5 total rooms
• Laundry & utility: Laundry: Other setup

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $288 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).

Location & tenants

• Location reads 74/100 on livability (#268 in FL, #4,405 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D, amenities F.
• Orange (suburban): math 46% / reading 51% proficiency, ranked #43 of 73 in FL (top 59%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents soft (-1.2%/yr); 376 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); 8,053 units permitted in Orange County in 2024 (3,133 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Orange County population projected at +52% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 20y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $102k; 47% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1956 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $149,999

Questions for the listing agent

1. Built in 1956 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
5. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
6. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.08% ✓
• Cap rate: 8.60%
• Cash-on-cash: 8.23%
• DSCR: 1.37
• GRM: 7.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -7.1%
• Equity multiple: 0.75×
• Total profit: $-10,709
• Equity at exit: $22,365

10-year hold

• IRR: -1.6%
• Equity multiple: 0.90×
• Total profit: $-4,060
• Equity at exit: $12,969

Cash invested: $42,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 32835

• Home prices YoY: -31.7%
• Rents YoY: -1.2%
• Active inventory: 376
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $1,620 high
• Mortgage (P&I): −$787
• Tax from tax record: −$143 /mo · $1,713/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$340
• Net cashflow: $288

Break-even live

Break-even rent $1,255

Max offer price $149,999

Occupancy floor 77%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5971 Westgate Dr #1213 Orlando, FL	2.0	2.0	1077	$1,580	$1.47	20d	1	0.04mi
6025 Westgate Dr #2512 Orlando, FL	2.0	2.0	1077	$1,595	$1.48	2d	1	0.14mi
6025 Westgate Dr Orlando, FL	1.0–2.0	1.0–2.0	895	$1,595	$1.78	2d	3	0.14mi
6025 Westgate Dr Orlando, FL	1.0–2.0	1.0–2.0	895	$1,595	$1.78	2d	2	0.14mi
6029 Westgate Dr #712 Orlando, FL	2.0	2.0	1077	$1,599	$1.48	23d	1	0.15mi
5956 Westgate Dr #102 Orlando, FL	1.0	1.0	686	$1,275	$1.86	21d	1	0.17mi
464 S Kirkman Rd Orlando, FL	1.0–3.0	1.0–2.0	977	$1,890	$1.93	2d	19	0.20mi
6022 Westgate Dr Orlando, FL	2.0	1.0–1.5	894	$1,488	$1.66	23d	2	0.21mi
6028 Westgate Dr #102 Orlando, FL	1.0	1.0	686	$1,250	$1.82	7d	1	0.22mi
6022 Westgate Dr Orlando, FL	2.0	1.5	894	$1,525	$1.71	17d	1	0.22mi
6071 Westgate Dr #313 Orlando, FL	1.0	1.0	713	$1,400	$1.96	7d	1	0.23mi
6124 Westgate Dr #104 Orlando, FL	2.0	2.0	943	$1,495	$1.59	23d	1	0.24mi
6016 Westgate Dr #204 Orlando, FL	2.0	2.0	991	$1,700	$1.72	14d	1	0.24mi
6004 Westgate Dr #104 Orlando, FL	1.0	1.0	566	$1,300	$2.30	4d	1	0.26mi
6004 Westgate Dr #102 Orlando, FL	1.0	1.0	566	$1,295	$2.29	23d	1	0.26mi
5915 Raleigh St Orlando, FL	1.0–3.0	1.0–2.0	1039	$2,338	$2.25	1d	28	0.33mi
6101 Raleigh St Orlando, FL	1.0–4.0	1.0–2.0	1120	$1,627	$1.45	2d	41	0.36mi
6168 Raleigh St Orlando, FL	1.0–4.0	1.0–2.0	1261	$1,829	$1.45	2d	34	0.50mi
907 S Kirkman Rd Orlando, FL	2.0–4.0	2.0	1131	$1,450	$1.28	3d	14	0.53mi
1065 S Hiawassee Rd #1435 Orlando, FL	1.0	1.0	673	$1,400	$2.08	21d	1	0.58mi
6312 Raleigh St #504 Orlando, FL	2.0	2.0	1029	$1,600	$1.55	21d	1	0.58mi
1037 S Hiawassee Rd #2818 Orlando, FL	2.0	2.0	934	$1,900	$2.03	3d	1	0.59mi
6316 Raleigh St #414 Orlando, FL	1.0	1.0	991	$1,600	$1.61	20d	1	0.59mi
1037 S Hiawassee Rd Orlando, FL	1.0–2.0	1.0–2.0	780	$1,900	$2.43	23d	2	0.59mi
6328 Raleigh St #815 Orlando, FL	1.0	1.0	991	$1,600	$1.61	23d	1	0.60mi
1039 S Hiawassee Rd #2928 Orlando, FL	2.0	2.0	934	$1,800	$1.93	17d	1	0.61mi
1063 S Hiawassee Rd #1628 Orlando, FL	2.0	2.0	836	$1,600	$1.91	3d	1	0.61mi
6324 Raleigh St Orlando, FL	2.0	2.0	1062	$1,725	$1.62	23d	1	0.61mi
1063 S Hiawassee Rd Orlando, FL	1.0–2.0	1.0–2.0	731	$1,600	$2.19	23d	2	0.61mi
6324 Raleigh St #714 Orlando, FL	2.0	2.0	1062	$1,700	$1.60	21d	1	0.62mi
6416 Raleigh St #2612 Orlando, FL	1.0	1.0	991	$1,450	$1.46	20d	1	0.62mi
1041 S Hiawassee Rd #3023 Orlando, FL	2.0	2.0	836	$1,395	$1.67	7d	1	0.63mi
1079 S Hiawassee Rd #1114 Orlando, FL	1.0	1.0	673	$1,100	$1.63	21d	1	0.64mi
6340 Raleigh St #1011 Orlando, FL	1.0	1.0	991	$1,600	$1.61	3d	1	0.65mi
1033 S Hiawassee Rd Orlando, FL	2.0	2.0	832	$1,545	$1.86	7d	1	0.66mi
1033 S Hiawassee Rd Orlando, FL	1.0–2.0	1.0–2.0	731	$1,490	$2.04	1d	3	0.66mi
1033 S Hiawassee Rd Orlando, FL	2.0	2.0	832	$1,442	$1.73	2d	2	0.66mi
403 Crabtree Ave Orlando, FL	3.0	2.0	1105	$2,095	$1.90	23d	1	0.66mi
1081 S Hiawassee Rd #722 Orlando, FL	2.0	2.0	836	$1,470	$1.76	21d	1	0.66mi
1077 S Hiawassee Rd #824 Orlando, FL	2.0	2.0	836	$1,700	$2.03	3d	1	0.66mi

Listing history 2 events

1. 2026-06-18
   remarks 621-char remark
2. 2026-06-18
   listed $149,999 Active 1 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $1,713 · $143/mo
• Projected year-2 tax: $1,713 · $143/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 23 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,442
• − Mortgage interest: −$8,402
• − Property taxes: −$1,713
• − Insurance: −$750
• − Repairs & maintenance: −$1,555
• − Management: −$1,555
• − Depreciation: −$4,364
• Taxable income: $1,103
• Est. tax owed @ 24.0%: −$265
• After-tax cash flow: $3,192/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Orange
• NCES district ID: 1201440
• Math proficiency: 46% ▼ -9.00%
• Reading proficiency: 51% ▼ -2.00%
• Median HH income: $49,350
• Composite: 41.47/100
• National rank: #3461
• State rank: #43 of 73 in FL

Livability — Orlovista

• Score: 74/100
• State rank: #268
• US rank: #4405

Category grades

Amenities F Commute A+ Cost of living A+ Crime B- Employment D Housing A+ Health & safety A- User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Orlovista, FL
• County: Orange County · 1,471,359 people
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 49,205
• Household income: $71,418
• Rent vs Own: 51.9% rent · 48.1% own
• Severe rent burden: 2914.0

Population outlook (Orange County) Hauer SSP2

• Today (2025): 1,618,226 people
• By 2030: 1,787,404 · +10.5%
• By 2040: 2,125,621 · +31.4%
• By 2050: 2,454,016 · +51.6%
• By 2075: 3,173,711 · +96.1%
• By 2100: 3,607,781 · +122.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.79)
• Race & ethnicity: White 33% Hispanic / Latino 24% Black 19% Two or more races 19% Asian 11%
• Hispanic origin (detail): Mexican 1% Puerto Rican 7% Cuban 2% Dominican 1%
• Common ancestry: Estonian 9% Hispanic 7% Russian 2%
• Foreign-born: 38% · Canada, Vietnam, Jamaica
• Languages at home: 51% English-only · Spanish 18% Other Indo-European 17% French/Haitian/Cajun 6%

Political lean MEDSL · Orange

• 2024 margin: D (+13.6) · D 56.1% · R 42.5% · Other 1.3%
• 2008→2024 swing: -5.0pp toward R · 2008: 18.6pp · 2024: 13.6pp
• All cycles: 2024: D+13.6 2020: D+23.1 2016: D+24.6 2012: D+18.2 2008: D+18.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -116.26%
• Current HPI: 250.6804
• Rent YoY: ▼ -1.21%
• Metro: Orlando-Kissimmee-Sanford, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+172.7% since first listed

6 events — show timeline

• 2026-06-18 Listed $149,999 Stellar MLS as Distributed by MLS Grid
• 2007-07-09 Listed $184,950 Stellar MLS as Distributed by MLS Grid
• 2006-08-21 Sold (Public Records) $102,000 Public Records
• 2006-08-07 Sold (MLS) $102,000 Stellar MLS as Distributed by MLS Grid
• 2006-04-26 Listed $119,000 Stellar MLS as Distributed by MLS Grid
• 1999-03-05 Sold (Public Records) $55,000 Public Records

Property tax history

+7.8%/yr

Latest (2025): $1,713 · +10.8% YoY. Source: county tax records.