127 Dockside RdFreeportFL32439
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 127 Dockside Rd, Freeport, FL, 32439 in Freeport at $259,825 earns $1,823/mo in rent and nets $40/mo after the $1,168/mo payment, a 8.42% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $71,785 over five years. Ziffy Mortgage underwrites this on a 1.56 DSCR without U.S. credit history. With $2,393/yr in principal paydown, total projected return reaches $101,892.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 7.5% |
| Monthly Cash Flow | $40 | $350 |
City averages based on Freeport market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,823 |
| Total Monthly Debt Service | $1,680 |
| DSCR Ratio | 1.09x |
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 2025
6,000 sqft lot
$N/A/sqft
$176 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32439, Freeport, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,758 (100%) |
| Owner Occupied HU | 6,065 (69.3%) |
| Renter Occupied HU | 1,455 (16.6%) |
| Vacant Housing Units | 1,238 (14.1%) |
| Median Home Value | $440,147 |
| Average Home Value | $573,561 |
Housing Distribution
Address Breakdown
Residential
7,553
Single Family
7,447
Multi-Family
106
Businesses
335
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 2025
6,000 sqft lot
$N/A/sqft
$176 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32439, Freeport, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,758 (100%) |
| Owner Occupied HU | 6,065 (69.3%) |
| Renter Occupied HU | 1,455 (16.6%) |
| Vacant Housing Units | 1,238 (14.1%) |
| Median Home Value | $440,147 |
| Average Home Value | $573,561 |
Housing Distribution
Address Breakdown
Residential
7,553
Single Family
7,447
Multi-Family
106
Businesses
335
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Pamela K Hawkins • DR Horton Realty of Emerald Coast LLC
Mls Name: ECAOR
Mls Provider:
Mls ID: #989408
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Member number: 28189