220 Pinnacle DrPt Saint JoeFL32456
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 220 Pinnacle Dr, Pt Saint Joe, FL, 32456 in Pt Saint Joe fits: $1,425,000, 4.77% gross yield, and a projected 5% annual appreciation rate adding $393,701 in value within five years. Rental yield 4.77%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.88) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $13,124/yr in principal paydown and $393,701 in appreciation project a total return of $284,441.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 5.0% |
| Monthly Cash Flow | $(4,037) | $550 |
City averages based on Pt Saint Joe market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,670 |
| Total Monthly Debt Service | $9,140 |
| DSCR Ratio | 0.62x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2023
5,009 sqft lot
$N/A/sqft
$3,000 annually 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
Single Family
Built in 2023
5,009 sqft lot
$N/A/sqft
$3,000 annually 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