1294 Dragonfly LnChipleyFL32428
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSteady, low-maintenance, and fundable: 1294 Dragonfly Ln, Chipley, FL, 32428 in Chipley at $549,900. Rental yield 7.69%. The 7.69% yield and 1.42 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $151,927 by year five, and $5,065/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $201,537.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 9.2% |
| Monthly Cash Flow | $(125) | $200 |
City averages based on Chipley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,524 |
| Total Monthly Debt Service | $3,430 |
| DSCR Ratio | 1.03x |
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 1990
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32428, Chipley, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,704 (100%) |
| Owner Occupied HU | 5,171 (67.1%) |
| Renter Occupied HU | 1,404 (18.2%) |
| Vacant Housing Units | 1,129 (14.7%) |
| Median Home Value | $223,466 |
| Average Home Value | $270,097 |
Housing Distribution
Address Breakdown
Residential
7,032
Single Family
7,032
Multi-Family
0
Businesses
598
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 1990
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32428, Chipley, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,704 (100%) |
| Owner Occupied HU | 5,171 (67.1%) |
| Renter Occupied HU | 1,404 (18.2%) |
| Vacant Housing Units | 1,129 (14.7%) |
| Median Home Value | $223,466 |
| Average Home Value | $270,097 |
Housing Distribution
Address Breakdown
Residential
7,032
Single Family
7,032
Multi-Family
0
Businesses
598
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices