25 S Main Deck DrFreeportFL32439
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 25 S Main Deck Dr, Freeport, FL, 32439 in Freeport achieves 1.55, rent of $1,683/mo covers the $1,088/mo payment 1.5x over at $241,900. Rental yield 8.35%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $66,833 over five years, with $2,228/yr in principal reduction bringing total projected return to $97,194.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 7.5% |
| Monthly Cash Flow | $(5) | $350 |
City averages based on Freeport market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,683 |
| Total Monthly Debt Service | $1,509 |
| DSCR Ratio | 1.12x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32439, Freeport, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,758 (100%) |
| Owner Occupied HU | 6,065 (69.3%) |
| Renter Occupied HU | 1,455 (16.6%) |
| Vacant Housing Units | 1,238 (14.1%) |
| Median Home Value | $440,147 |
| Average Home Value | $573,561 |
Housing Distribution
Address Breakdown
Residential
7,553
Single Family
7,447
Multi-Family
106
Businesses
335
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32439, Freeport, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,758 (100%) |
| Owner Occupied HU | 6,065 (69.3%) |
| Renter Occupied HU | 1,455 (16.6%) |
| Vacant Housing Units | 1,238 (14.1%) |
| Median Home Value | $440,147 |
| Average Home Value | $573,561 |
Housing Distribution
Address Breakdown
Residential
7,553
Single Family
7,447
Multi-Family
106
Businesses
335
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices