1746 Smith Creek RdSopchoppyFL32358
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 1746 Smith Creek Rd, Sopchoppy, FL, 32358 in Sopchoppy speaks for itself: 12.11% gross on a $187,900 price, generating $1,896/mo in rent and $603/mo in net income after the $845/mo debt service. DSCR 2.24, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,234 stacks alongside $51,913 in projected five-year appreciation and $1,731/yr in principal reduction. Projected total cumulative return: $110,625.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.1% | 6.0% |
| Monthly Cash Flow | $603 | $200 |
City averages based on Sopchoppy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,896 |
| Total Monthly Debt Service | $1,218 |
| DSCR Ratio | 1.56x |
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.
Manufactured
Built in 1989
6.20 Acres 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
Manufactured
Built in 1989
6.20 Acres 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