132 Sabal CirPort Saint JoeFL32456
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Port Saint Joe rentals match the income profile of 132 Sabal Cir, Port Saint Joe, FL, 32456. Listed at $413,500, gross rent is $4,357/mo and net cash flow is $1,613/mo, a 12.64% yield well above national averages. DSCR 2.34 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $114,242 by year five with $3,808/yr in annual principal reduction, projecting $261,411 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.6% | 5.0% |
| Monthly Cash Flow | $1,613 | $300 |
City averages based on Port Saint Joe market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,357 |
| Total Monthly Debt Service | $2,580 |
| DSCR Ratio | 1.69x |
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.
Townhouse
Built in 1985
871.20 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32456, Port Saint Joe, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,898 (100%) |
| Owner Occupied HU | 3,107 (45.0%) |
| Renter Occupied HU | 755 (10.9%) |
| Vacant Housing Units | 3,036 (44.0%) |
| Median Home Value | $381,495 |
| Average Home Value | $519,804 |
Housing Distribution
Address Breakdown
Residential
4,651
Single Family
4,470
Multi-Family
181
Businesses
390
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
Townhouse
Built in 1985
871.20 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32456, Port Saint Joe, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,898 (100%) |
| Owner Occupied HU | 3,107 (45.0%) |
| Renter Occupied HU | 755 (10.9%) |
| Vacant Housing Units | 3,036 (44.0%) |
| Median Home Value | $381,495 |
| Average Home Value | $519,804 |
Housing Distribution
Address Breakdown
Residential
4,651
Single Family
4,470
Multi-Family
181
Businesses
390
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CPAR
Mls ID: #786770