113 Chapman StSanta Rosa BeachFL32459
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 113 Chapman St, Santa Rosa Beach, FL, 32459 in Santa Rosa Beach: $3,552/mo in rent, $314/mo in net income, 8.73% gross yield, 1.54 DSCR, all at $488,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $134,825 in appreciation and $4,091/yr in principal paydown projects total cumulative return of $197,053.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 7.0% |
| Monthly Cash Flow | $314 | $1,500 |
City averages based on Santa Rosa Beach market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,552 |
| Total Monthly Debt Service | $3,163 |
| DSCR Ratio | 1.12x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2017
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32459, Santa Rosa Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,830 (100%) |
| Owner Occupied HU | 8,154 (39.1%) |
| Renter Occupied HU | 2,773 (13.3%) |
| Vacant Housing Units | 9,903 (47.5%) |
| Median Home Value | $762,452 |
| Average Home Value | $945,293 |
Housing Distribution
Address Breakdown
Residential
15,273
Single Family
12,773
Multi-Family
2,500
Businesses
1,346
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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: ECAOR
Mls Provider:
Mls ID: #1012283
