101 Eagle Trace CtPanama City BeachFL32413
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 101 Eagle Trace Ct, Panama City Beach, FL, 32413 in Panama City Beach speaks for itself: 20.11% gross on a $385,000 price, generating $6,451/mo in rent and $3,782/mo in net income after the $1,731/mo debt service. DSCR 3.73, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $45,389 stacks alongside $106,368 in projected five-year appreciation and $3,546/yr in principal reduction. Projected total cumulative return: $390,640.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 20.1% | 6.2% |
| Monthly Cash Flow | $3,782 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $6,451 |
| Total Monthly Debt Service | $2,516 |
| DSCR Ratio | 2.56x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2019
3,484 sqft lot
$N/A/sqft
$500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32413, Panama City Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,408 (100%) |
| Owner Occupied HU | 5,677 (32.6%) |
| Renter Occupied HU | 2,579 (14.8%) |
| Vacant Housing Units | 9,152 (52.6%) |
| Median Home Value | $430,573 |
| Average Home Value | $517,641 |
Housing Distribution
Address Breakdown
Residential
12,560
Single Family
10,041
Multi-Family
2,519
Businesses
718
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 2019
3,484 sqft lot
$N/A/sqft
$500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32413, Panama City Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,408 (100%) |
| Owner Occupied HU | 5,677 (32.6%) |
| Renter Occupied HU | 2,579 (14.8%) |
| Vacant Housing Units | 9,152 (52.6%) |
| Median Home Value | $430,573 |
| Average Home Value | $517,641 |
Housing Distribution
Address Breakdown
Residential
12,560
Single Family
10,041
Multi-Family
2,519
Businesses
718
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices