Lakeland FL Real Estate & Homes for Sale

One or more photo(s) has been virtually staged. Welcome to this stunning property featuring an inviting natural color palette and a plethora of flexible living spaces. The primary bathroom boasts double sinks and excellent under sink storage, ensuring efficiency and organization. Step outside into the fenced-in backyard, complete with a private in-ground pool and a covered sitting area, providing the perfect setting for outdoor gatherings. Other notable updates include a new roof, fresh interior and exterior paint, and partial flooring replacement in some areas. Discover the perfect blend of comfort and style here!

Exceptional value: This property is listed below its appraised value, offering a unique opportunity for savvy investors or homebuyers seeking a great deal. Recent Updates: - New roof installed in October 2021. - Upgraded windows and glass sliding doors throughout the home in Fall of 2022. - Pull screen renovated in 2019. - Kitchen range upgraded in 2020. - New AC system installed in November 2018. - New garage door motor 2023 Nestled within the vibrant community of Deerbrook, this Custom-built home awaits you on a picturesque tree-lined street. While boasting a spacious and open split floor plan, this remarkable Move-in-ready home offers a multitude of spaces, catering to your need for tranquility and seclusion. Here you'll revel in the freedom of a beautiful Deerbrook community without the constraints of an HOA (no HOA). This home has an exceptional amount of outdoor space starting with an expansive patio, ideal for extravagant BBQs and hosting gatherings by your magnificent, sprawling pool. Adorned with a meticulously maintained lawn and lush, mature landscaping, painstakingly nurtured over several decades. Catering, to your professional needs the home offers a well-appointed home office, which could be used for a play room, or a crafting room. It's a dedicated room with a serene corner flooded with natural light, this space is designed to enhance productivity and create a tranquil work environment. The family room boasts vaulted ceilings adorned with wooden beams & sky lights, accompanied by a custom hearth fireplace that bathes the space in an abundance of natural light. With its captivating view of the pool, this room serves as an ideal hub for socializing during parties, sporting events, holidays, and other memorable occasions. Kitchen is spacious and multi-functional, it contains ample storage space and can be transformed into a breakfast bar when need be. Kitchen cabinets are custom with granite countertops. Conveniently situated in South Lakeland with easy access to major roadways including the Polk Parkway, State Road 60, and I-4, offering an ideal location for commuters to Tampa or Orlando, as well as access to the world-class attractions and activities of Central Florida. Thoughtfully priced to perfectly align with the current market trends. Some images have been virtually staged to better showcase the true potential of rooms and spaces in the home.

Nice manufactured home Located in a quiet North Lakeland neighborhood with NO HOA, this spacious 4 bedroom 2 bathroom is just waiting for someone to call it home! It has 1,848 sq.ft. Easy access to I-4, approximately 3 miles. In approximately 45 minutes, you could be in Disney World and other attractions. Come check it out!

Welcome to your dream home on the highly sought-after Peavine Circle in the enchanting Cypress Lakes Village. This stunning residence boasts an expansive driveway and convenient overhang, providing effortless access for both your cars and golf carts. Step inside through the main entrance, and you'll be greeted by a warm and inviting living room area. But that's not all - a covered separate entrance hallway leads you to a lanai, where you can enjoy a private retreat, and relish in moments of tranquility. The Master Bedroom is a true sanctuary, complete with its luxurious en suite. Additionally, it features a separate sitting area or office space, allowing you to create a personal haven tailored to your unique needs. Prepare to be wowed by the spacious kitchen, which effortlessly combines functionality and style. Adjacent to the kitchen, you'll find a convenient laundry room, perfectly positioned at the far end and conveniently located next to the Master Bedroom suite. The living room and dining room area is a sprawling open space, seamlessly connected to the kitchen. This thoughtful layout ensures that you can effortlessly entertain guests and create cherished memories with your loved ones. The second and third bedrooms, along with the second bath, are thoughtfully situated on the opposite side of the house from the Master Bedroom suite. This clever design provides privacy and tranquility for all members of your household. As you step outside, you'll be greeted by the beauty of mature landscaping, which perfectly complements the charm of this remarkable home. This idyllic setting is nestled within a vibrant and welcoming community, making it the perfect place to call home. Cypress Lakes Village is where you can experience the luxurious lifestyle of a Country Club without breaking the bank. The community boasts not one, but two exceptional golf courses - a championship course that has won numerous awards, and an executive course for those seeking a more relaxed game. The clubhouse is the heart of the community, offering a delightful restaurant and bar where residents can unwind and socialize. The clubhouse also features a magnificent main stage area for entertainment, as well as separate rooms dedicated to various clubs and games. And let's not forget the two sparkling community pools, perfect for cooling off on a sunny day. For fitness enthusiasts, we have a state-of-the-art fitness center that offers a wide range of classes to keep you motivated and in shape. And if you're looking for some friendly competition, you'll find pickleball courts, tennis courts, horseshoes, boche ball, shuffleboard, and countless other activities right outside the clubhouse. Your safety and peace of mind are our top priorities. That's why there is on-site security with 24-hour guarded entry, ensuring that you and your loved ones can enjoy the community with complete privacy and security. Don't miss out on this incredible opportunity to own a slice of paradise. Schedule a viewing today and let your dreams come true in this magnificent home.

Discover your fully renovated home in Lakeland! This charming 4-bedroom, 2-bathroom house is the gem you've been searching for. From the moment you step in, you'll be welcomed by a cozy living room, perfect for spending time with family and friends. The kitchen, equipped with an elegant granite countertop, is the ideal space for preparing delicious meals and creating lasting memories.Imagine waking up each morning in one of the four spacious bedrooms, each designed to provide comfort and privacy. The two renovated bathrooms add a touch of luxury to your daily routine.But that's not all; this house offers a generous space for recreation, perfect for family events, barbecues, or simply relaxing under the Florida sun. Additionally, the recently renovated roof and modern air conditioning system ensure your peace of mind and comfort in every season.Situated on a quarter-acre lot, this property is more than just a house: it's your personal sanctuary. Discover the serenity and convenience that this property in the heart of Lakeland has to offer. Don't miss the opportunity to call this place home! Contact us today to schedule a visit and explore all the wonders this house has to offer. Welcome to your new home in Lakeland!

Welcome to your dream home on the highly sought-after Cypress Lakes Village. This stunning residence boastsan expansive driveway and convenient overhang, providing access for both your cars and golf carts. Step inside through the mainentrance, and you'll be greeted by a warm and inviting living room area. The Master Bedroom is a true sanctuary, complete with itsluxurious en suite. Prepare to be wowed by the spacious kitchen, which effortlessly combines functionality and style. Adjacent to the kitchen, you'll find a convenient laundry room, perfectly positioned next to the Master Bedroom suite. The living room anddining room area is a sprawling open space, seamlessly connected to the kitchen. This thoughtful layout ensures that you can effortlesslyentertain guests and create cherished memories with your loved ones. The second bedroom offers another en suite bath with an entrance to both the bedroom and guests visiting the house. It is located on the opposite side of the house from the master bedroom suite, this clever design provides privacy and tranquility for all members of your household. As you step outside, you'll be greeted by the beauty of mature landscaping, which perfectly complements the charm of this remarkable home. This idyllic setting is nestled within a vibrant and welcoming community, making it the perfect place to call home. Cypress Lakes Village is where you can experience the luxurious lifestyle of a Country Club without breaking the bank. The community boasts not one, but two exceptional golf courses - a championship course that has won numerous awards, and an executive course for those seeking a more relaxed game. The clubhouse is the heart of the community, offering a delightful restaurant and bar where residents can unwind and socialize. The clubhouse also features a magnificent main stage area for entertainment, as well as separate rooms dedicated to various clubs and games. And let's not forget the two sparkling community pools, perfect for cooling off on a sunny day. For fitness enthusiasts, we have a state-of-the-art fitness center that offers a wide range of classes to keep you motivated and in shape. And if you're looking for some friendly competition, you'll find pickleball courts, tennis courts, horseshoes, boche ball, shuffleboard, and countless other activities right outside the clubhouse. Your safety and peace of mind are our top priorities. That's why there is on-site security with 24-hour guarded entry, ensuring that you and your loved ones can enjoy the community with complete privacy and security. Don't miss out on this incredible opportunity to own a slice of paradise. Schedule a viewing today and let your dreams come true in this magnificent home.

Enjoy a beautiful 2/2 home in the desired neighborhood of Sandpiper Golf & CC. This hone has many smart features including Keyless entry and special irrigation meter. The home has been updated and includes 2 MUST SEE bathrooms. Kitchen includes stainless steel appliances with maintenance free Quartz countertops, Lighting has been updated. There is a tankless water heater. Plantation shutters throughout. Epoxy garage floors. Rooms are large and bright. Community offers cable, internet, ground maintenance, all included in the low dues amount of only $150 per month. There are 2 pools, 2 clubhouses, pickleball courts, shuffleboard, tennis courts. If you want to play cards, join your neighbors at pot luck, or a number of additional activities, you are free to be as active as you like. Take a look TODAY.A/C 2000 & roof 2004.

SELLER IS OFFERING $5,000 TOWARDS BUYERS CLOSING COST OR INTERST RATE BUY DOWN WITH FULL PRICE OFFER!!! THIS HOME IS A MUST SEE! Home is only 3 years old and sits on a large corner lot in the sought after community of Riverstone. This home has a large open concept floor plan great for entertaining. The on-suite Bedroom is spacious, the bathroom has a walk in shower, linen closet, and a large counter/cabinet with a lot of storage. The on-suite closet is huge with extra custom shelving. The kitchen has granite countertops, large island with pendent lights, undercabinet lighting, upgraded faucet, cabinet hardware and a french door refrigerator with ice/water dispenser. The home also has upgraded lighting and ceiling fans, garage door opener with WIFI, custom wire shelving in closets, upgraded paint, and the lanai has lights/fan and a retractable mosquito net. Great community amenities and playground. Close to stores and restaurants.

Beautiful home in highly sought after S Lakeland neighborhood! Here is your chance to own a pool home in S Lakeland. Beautifullymaintained home with multiple updates. Roof 7 years old, AC 5 years old, Flooring updated 3 years ago. Pool resurfaced and new pool pump motor in the last 2 years, the list goes on and on. Large Bonus Room, could be used as a 4th bedroom/office/workout room! Don't wait, this one won't last. Come and take a look today and you will know you have found "The One"!Centrally located between Tampa and Orlando. Makes for an easy commute to either metropolitan area for work or play!

PRICE REDUCED! Move in ready, 3 Bedroom 2.5 bath, well kept End Unit townhome within the gated community of Cobblestone Landing with community pool. Lovely layout with a spacious living space, brand new carpet and fresh paint throughout. Ceramic tile flooring, master suite with a beautiful garden bath. Kitchen features a cozy kitchen with granite counters stainless appliances and breakfast bar. Poperty located with easy access to shopping plazas, restaurants, golf course, and I-4 ramp.

Charming starter home in the Lakeland Crystal Lake area. This home has 3 bedrooms, 1.5 bathrooms with large living room area to entertain family and friends. The kitchen has newer appliances. Adjacent to the living room is the family room with access to the side porch/ backyard area. The possibilities are endless. This property is close to schools, shopping, entertainment. This home is a great investment for a new and growing family.

Significant lower price on this magnificant two-bedroom two bath condo in beautiful Kimberlea community complex. Ideally situated near shopping, Bartow Rd., Lake Hollingsworth, and Polk Parkway. Condo is located just steps from the community pool, tennis courts, and shuffleboard. the building also boasts under cover parking, free laundry facilities, and elevator. Vacant, show any time! Seller very motivated! Come with an offer.

Priced BELOW APPRAISED VALUE! Buyer financing fell through. Welcome home to this maintenance free townhouse! This home has 2 bedrooms and 1.5 bathrooms. Living room, kitchen and dining area are downstairs, along with the utility room and storage closet. The two bedrooms and full bathroom is upstairs. Brand NEW ROOF installed December 2023! Screened patio downstairs. The HOA covers lawncare, septic system and exterior siding. These homes make great first-time homes, homes for those looking to downsize and great rental properties. NO rental restrictions. Short term rentals/AirBNB allowed. Schedule your exclusive appointment today!

One or more photo(s) has been virtually staged. **20,000 PRICE DROP!**SELLER IS MOTIVATED AND HOME IS PRICED TO SELL! 37K IN UPGRADES TO THIS BEAUTIFUL HOME! Located within the gorgeous community of Riverstone, this one-story home built in 2022 features an open floor plan, 3 bedrooms, 2 full baths and a 2-car garage. Complete with INCREDIBLE UPGRADES including rollout drawers in the kitchen, stainless steel appliances, NEW SHOWER/BACKSPLASH in the primary ensuite bath, NEW SHOWER/TUB/BACKSPLASH in the guest bath, ADT Security System with exterior cameras, Ceiling Fans, NEW OVERHEAD CABINETS in the laundry room, SCREENED-IN covered back PATIO, NEW landscaping and trim and newly installed (Aug 2022) VINYL FENCING fully enclosing the backyard. Entertaining is a breeze, as this popular single-family home features a spacious kitchen eat in kitchen, a dining area and a spacious pantry for extra storage. The primary bedroom located at the back of the home for privacy, has an ensuite bathroom that features a double vanity sink with a walk-in shower. LOTS OF STORAGE! This home includes a smart home technology package which allows you to control your home with your smart device while near or away. You will also enjoy access to resort-style amenities such as two clubhouses, two swimming pools, two playgrounds, a dog park, exercise stations and more! Also located directly across from Lakeland Linder International Airport, home of Sun n' Fun Aerospace Expo! This could be your new dream home! Call me today for a private showing! Not in Florida? That's ok, call me to schedule a private video tour!

Financing Available if you qualify. Welcome to the perfect home for you and your family! This beautiful family home offers an ideal combination of comfort, convenience, and customization opportunity. Turn your dreams into reality in this charming space that offers everything you need and more.Discover the comfort of this home, which has been cleverly converted into 3 spacious bedrooms, each with built-in closets for your convenience. Plus, enjoy seamless connectivity with internet access available throughout the property, making your modern, connected lifestyle a breeze.Imagine waking up and enjoying your morning coffee on the back balcony, a private space where you can relax and recharge while soaking in the fresh air and neighborhood tranquility.The kitchen and dining area provide a cozy and functional environment, perfect for family gatherings or intimate dinners. Plus, the rear garage, currently designed for one or two cars and a laundry area, provides an opportunity to create a customized space according to your needs and desires. An additional study, a home gym, or an entertainment space? You decide.The location of this property is unbeatable. Just 3 minutes from the I-4, you'll have quick and easy access to a variety of shops, golf courses, including Publix supermarkets, as well as numerous factories that could offer job or business opportunities. Plus, you'll be just 10 minutes from the vibrant downtown Lakeland, 30 minutes from Tampa Bay, continuing to the Gulf of Mexico, and 30 minutes from Disney, providing the convenience of being close to everything you need and want to explore.For families, convenience continues with the school bus stop right in front of the property, ensuring a hassle-free trip to school. Whether you're looking for the perfect home for your family or a solid investment in the real estate market, this property has it all. Don't miss out on this opportunity to make your dreams come true! Come and discover the unlimited potential that this home has to offer!Contact us today to schedule a visit and make this house your new home or investment!

One or more photo(s) has been virtually staged. Virtually staged....HEY!!! YOU....what is up? This is a GREAT property....STUNNINGLY remodeled. This property boasts of a completely NEW remodeled kitchen with NEW appliances, NEW exterior/interior paint, NEW vinyl flooring throughout, NEW landscaping and a NEW fireplace. The mantle is over a 100+ years old and repurposed from a historical house in Tampa. This property is centrally located in Lakeland within 3 minutes walking distance to one of the fastest growing colleges in the country, Southeastern University. You are also within 10 minutes to Polk State College and Florida Southern College. Shopping, groceries and entertainment are close by for your ease and convenience. Plenty of parking with a large shared neighborhood lot. Don't miss out on this beauty!

Discover the joy of retirement living in this 55+ retirement mobile home community! This charming 2-bedroom, 2-bathroom residence, 864 heated square feet of meticulously upgraded living space, is nestled in a park-like setting within a community that caters to its residents. This home features a new roof, flooring, ductwork, and a remodeled kitchen with updated stainless steel appliances. This enclave offers a unique blend of tranquility and vibrant social living within a community of 385 homes, each individually OWNED ON THEIR LAND. Residents here enjoy many amenities and indulge in a heated/cooled pool, shuffleboard courts, a billiard room, and a library to satisfy their intellectual cravings. Engage with fellow residents during Tuesday Morning Coffee gatherings, fostering news-sharing and friendship within this close-knit community.Don't miss the chance to make this residence your own in a community that truly understands and celebrates the art of living well in retirement! Schedule a showing today and embrace the perfect blend of modern luxury, a sunlit sanctuary, and active, community-oriented living.

PRICED TO SELL! MOTIVATED SELLER! TAKE ADVANTAGE OF THIS PRICE REDUCTION BEFORE ITS GONE! THIS IS YOUR OPPORTUNITY to own a BEAUTIFUL TWO-STORY HOME in SOUTH LAKELAND!! This SPACIOUS home features 4 bedrooms and 2.5 bath! It has been recently painted and is ready for its new owners! First floor conveniently offers a formal dining & living room along with a big open kitchen leading to the family room. Kitchen offers stainless steel appliances, 2 pantries, an island with a prep sink and plenty of cabinet & counter space. As you make your way upstairs you will find a cozy loft which leads into each bedroom. Master bedroom offers plenty of space for you to enjoy and relax after a long day of work or running errands, along with a huge walk-in closet and ensuite bathroom. The Master bath includes a garden bathtub & walk-in shower! Your family will thank you for buying this home as it also offers 3 large rooms for them to sleep and play. Additional amenities include an inside laundry room and an attached 2 car garage. The back yard will be everyone's favorite as it's fully fenced with an open patio for family gatherings and special occasions. Did we mention NO REAR NEIGHBORS!! SCHEDULE YOUR PRIVATE SHOWING TODAY!

PRICE REDUCTION A stunning newley renovated 3 Bedroom 2 Bath home situated on a large fenced lot in the heart of Southwest Lakeland. No expense was spared, gorgeous tile floors throughout the home. As you enter the home you will see the beautiful kitchen with granite counter tops and stainless steel appliances, a beautiful Island is the focal point of the room, the family room and dining area flow nicely from the kitchen. The Master suite has a large walk in closet and contemporary bathroom with dual vanity. There are two additional bedrooms and a second bathroom also fully renovated. Off the kitchen is the laundry room with washer & dryer included and a door leading to the outside. There is also another room that could be a 4th bedroom / home office / storage area. The large back garden is on over 1/4 acre also boasts a large utility shed. There is plenty of storage space as the water heater is a tankless heater and the AC unit is in a additional utility area. The large driveway and car port allow for multiple vehicles to be parked, there is also no HOA !!! Located close to schools, shopping, restaurants and all that Lakeland has to offer.

Double the Rental Income, Double the Investment Success:Unlock the potential of dual income streams with this property featuring not one, but two rental houses on a single lot. Whether you're an investor or looking to offset your mortgage, this is a golden opportunity to double the rental income and double the investment success.Investor's Paradise - Two Rental Homes, One Smart Investment:Calling all investors! Welcome to your paradise with two income-generating rental homes on a single lot. Diversify your portfolio and maximize your returns. It's not just a property; it's a strategic investment waiting to happen.Income-Generating Duo - Two Rental Houses, Endless Possibilities:Experience the power of an income-generating duo with two separate rental houses on one lot. Whether you're a seasoned investor or a first-time buyer, this property offers endless possibilities for rental income and financial growth.Double the Leases, Double the Success Stories:Double the leases, double the success stories! Two Houses, Twice the Financial Flexibility. This property with two rental houses is a landlord's dream. Enjoy the security of dual rental incomes and the satisfaction of a wise investment. It's not just a purchase; it's a prosperity plan & it's a smart financial move.Dual Rental Delight - Perfect for Investors or Owner-Occupied Income:Discover the dual rental delight of this property - perfect for savvy investors or those looking to live in one house and rent out the other. Versatility meets income potential in this unique real estate opportunity.Invest and Nest - Live in One, Rent the Other:Why choose between investing and nesting when you can do both? Live in one of the rental houses and let the other contribute to your mortgage. It's the perfect blend of home and investment, where you can have your cake and eat it too.Tenant's Choice - Two Distinct Rentals, One Happy Investment:Give your tenants the luxury of choice! With two distinct rental houses on one lot, this property offers tenants the freedom to choose their ideal living space. For the landlord, it means double the rental income and double the satisfaction.The roof is between 5-6 yrs old.Water Heaters 7-8 Yrs Old.Ac Window Units 6-7 Yrs Old.

Maintenance-free living at it's finest! Check out this gorgeous 2 bedroom 2 bathroom condo located in Casa Loma overlooking the beautiful Scott Lake in South Lakeland! This well kept, Mediterranean style condo features the most beautiful cathedral wood ceilings as you enter giving off a spacious and inviting charm. Kitchen features include Corian countertops, solid wood cabinets, and the cutest viewing window overlooking your large living space. Both bedrooms are spacious and feature their own en-suite bathrooms. Beautiful plantation shutters on the windows offer both elegance and privacy. Enjoy the great community features including a community pool overlooking Scott Lake, a clubhouse available for owners to use, tennis courts and more! Come view this beautiful condo and see if this is the perfect choice for you to have carefree, maintenance-free living.

Welcome Home! 3 bedroom 2 bath in the heart of Lakeland with NO HOA and a large fenced yard. With a little love this home can be the perfect fit for a growing family. Schedule your showing today!

Oversized lot .49 acres with unlimited potential, newer windows, 2 car carport - "Sellers will install a NEW roof and HVAC system with a lic. contractor ONCE under contract, will save buyer on insurance cost". - Ideal location by State Rd. 98 convenient to shopping, restaurants, specialty stores and schools. Laundry room in carport has a shower. Easy connection with I-4 a short drive to everything. The master walk-in closet has cedar lining. Convenient 2 car carport plus extended driveway for more vehicles. Backyard has an almost new large shed for extra storage or perfect for a workshop. Use your imagination with this almost half acre lot ready for your boat, RV or work trailer. This is an up and improved area in Lakeland. NO flood insurance required. Buyer to confirm all measurements.

Overlooking the shores of beautiful Lake Parker this adorable lakefront abode offers charm and whimsy! Great care has been taken to preserve this mid-century home by its second owner. Grand features of this home include a climate-controlled garage/media center where your collectible/pampered automobile can be stored. The grand piano remains finely tuned and is a testament to the controlled environment. The living room/parlor is a cozy spot with a beautiful lake view and an electric fireplace perfect for intimate conversation. The dining room boasts the most beautifully emerald shade of marbled tile reminiscent of flow blue style. The kitchen is original, but with updated appliances. A split floor plan offers privacy and each room has a view! The estate-like grounds provide space to enjoy lake views or garden strolls. Additional lake-front parcel included in this sale. Roof is 2-3 years old, water heater 2020, HVAC 2022. There's a termite bond in place. Covered parking in the fenced back yard. Must see to appreciate, so call today! NO HOA!

MOTIVATED SELLERS!!! Situated on a large corner lot, this move-in-ready 2022 home has nice curb appeal, a spacious open floor plan, and attractive finishes throughout! A welcoming porch and landscaping make a wonderful first impression. As you enter the home, you will appreciate the tasteful paint colors, high ceilings, custom built-ins, and stylish plank-style flooring. The dining room leads to a large kitchen, which boasts ample storage, with wood cabinetry, island, and closet pantry, plus granite countertops, Whirlpool stainless steel appliances, and a breakfast bar. Sliding doors in the living room provide great natural light, as well as access to the covered back porch - just waiting for you to enjoy fresh air and relaxation anytime of the year! At the end of the day, you can grab a book from the built-in shelving in the living room, and escape to the primary suite, comprised of a large bedroom, a walk-in closet, and an en-suite bathroom with dual sinks, quartz countertops and a shower. There are two additional bedrooms and a full bathroom with shower/tub on the other side of the home, in addition to an interior laundry room. One of the bedrooms also has custom a built-in desk, perfect for work-from-home duties or after school projects. This home has great storage, and is in excellent condition, with various warranties that will convey at closing. If you are looking for an opportunity to live every day like you are on vacation in Central Florida, you are going to LOVE the amazing amenities in the Riverstone neighborhood in Lakeland, Florida! With two community pools, dog park, playground and walking paths, there is to so much to do, practically right in your very own back yard. The best part? You won't have to wait to build, and also will not waste your time (or money!) doing repairs or renovations - as you can move right in to this newly constructed home, to begin living the good life. Located between Tampa and Orlando, near The Polk Parkway and I4, this location is convenient for anyone who will be commuting and is just a short drive from world class resorts, popular theme parks, award winning beaches and MORE! BE SURE TO ASK ABOUT OPTIONS TO ASSUME THIS MORTGAGE AT A DISCOUNTED INTEREST RATE!!