2506 Dumajack RdChipleyFL32428
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 2506 Dumajack Rd, Chipley, FL, 32428 in Chipley. At $164,500 it earns $1,478/mo in rent and distributes $387/mo to the owner after the $740/mo payment, a consistent 10.78% yield. DSCR 2.00 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $45,448 in value; $1,515/yr in principal paydown compounds ownership stake. Total projected return: $87,570.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 9.2% |
| Monthly Cash Flow | $387 | $200 |
City averages based on Chipley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,478 |
| Total Monthly Debt Service | $1,026 |
| DSCR Ratio | 1.44x |
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 1991
2.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32428, Chipley, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,704 (100%) |
| Owner Occupied HU | 5,171 (67.1%) |
| Renter Occupied HU | 1,404 (18.2%) |
| Vacant Housing Units | 1,129 (14.7%) |
| Median Home Value | $223,466 |
| Average Home Value | $270,097 |
Housing Distribution
Address Breakdown
Residential
7,032
Single Family
7,032
Multi-Family
0
Businesses
598
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 1991
2.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32428, Chipley, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,704 (100%) |
| Owner Occupied HU | 5,171 (67.1%) |
| Renter Occupied HU | 1,404 (18.2%) |
| Vacant Housing Units | 1,129 (14.7%) |
| Median Home Value | $223,466 |
| Average Home Value | $270,097 |
Housing Distribution
Address Breakdown
Residential
7,032
Single Family
7,032
Multi-Family
0
Businesses
598
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices