167 John Mills CirSopchoppyFL32358
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 167 John Mills Cir, Sopchoppy, FL, 32358 in Sopchoppy: $2,591/mo in rent, $948/mo net, 12.56% gross yield, all on a $247,500 acquisition. The 2.33 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $68,380 in value, and $2,280/yr in principal paydown steadily builds equity. Projected total cumulative return: $155,373.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.6% | 6.0% |
| Monthly Cash Flow | $948 | $200 |
City averages based on Sopchoppy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,591 |
| Total Monthly Debt Service | $1,544 |
| DSCR Ratio | 1.68x |
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 2021
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32358, Sopchoppy, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,335 (100%) |
| Owner Occupied HU | 828 (62.0%) |
| Renter Occupied HU | 179 (13.4%) |
| Vacant Housing Units | 328 (24.6%) |
| Median Home Value | $304,887 |
| Average Home Value | $328,638 |
Housing Distribution
Address Breakdown
Residential
1,015
Single Family
1,013
Multi-Family
2
Businesses
50
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 2021
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32358, Sopchoppy, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,335 (100%) |
| Owner Occupied HU | 828 (62.0%) |
| Renter Occupied HU | 179 (13.4%) |
| Vacant Housing Units | 328 (24.6%) |
| Median Home Value | $304,887 |
| Average Home Value | $328,638 |
Housing Distribution
Address Breakdown
Residential
1,015
Single Family
1,013
Multi-Family
2
Businesses
50
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices