106 9th StApalachicolaFL32320
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 106 9th St, Apalachicola, FL, 32320 in Apalachicola speaks for itself: 11.87% gross on a $279,000 price, generating $2,760/mo in rent and $870/mo in net income after the $1,255/mo debt service. DSCR 2.20, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,439 stacks alongside $77,083 in projected five-year appreciation and $2,570/yr in principal reduction. Projected total cumulative return: $162,488.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 9.0% |
| Monthly Cash Flow | $870 | $1,500 |
City averages based on Apalachicola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,760 |
| Total Monthly Debt Service | $1,779 |
| DSCR Ratio | 1.55x |
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 1935
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32320, Apalachicola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,109 (100%) |
| Owner Occupied HU | 1,298 (61.5%) |
| Renter Occupied HU | 432 (20.5%) |
| Vacant Housing Units | 379 (18.0%) |
| Median Home Value | $321,831 |
| Average Home Value | $360,963 |
Housing Distribution
Address Breakdown
Residential
1,618
Single Family
1,616
Multi-Family
2
Businesses
162
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 1935
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32320, Apalachicola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,109 (100%) |
| Owner Occupied HU | 1,298 (61.5%) |
| Renter Occupied HU | 432 (20.5%) |
| Vacant Housing Units | 379 (18.0%) |
| Median Home Value | $321,831 |
| Average Home Value | $360,963 |
Housing Distribution
Address Breakdown
Residential
1,618
Single Family
1,616
Multi-Family
2
Businesses
162
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices