316 E Lakeshore DrPanama City BeachFL32413
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 316 E Lakeshore Dr, Panama City Beach, FL, 32413 in Panama City Beach at $1,499,000, 4.58% gross yield, is a market-growth asset. Rental yield 4.58%. The $5,716/mo rent partially funds the $6,740/mo debt service; the core return is the 5%/yr price growth projected to add $414,146 over five years. Ziffy Mortgage's DSCR mortgage (0.85) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $299,044.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 6.2% |
| Monthly Cash Flow | $(4,232) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $5,716 |
| Total Monthly Debt Service | $9,351 |
| DSCR Ratio | 0.61x |
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 2022
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32413, Panama City Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,408 (100%) |
| Owner Occupied HU | 5,677 (32.6%) |
| Renter Occupied HU | 2,579 (14.8%) |
| Vacant Housing Units | 9,152 (52.6%) |
| Median Home Value | $430,573 |
| Average Home Value | $517,641 |
Housing Distribution
Address Breakdown
Residential
12,560
Single Family
10,041
Multi-Family
2,519
Businesses
718
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 2022
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32413, Panama City Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,408 (100%) |
| Owner Occupied HU | 5,677 (32.6%) |
| Renter Occupied HU | 2,579 (14.8%) |
| Vacant Housing Units | 9,152 (52.6%) |
| Median Home Value | $430,573 |
| Average Home Value | $517,641 |
Housing Distribution
Address Breakdown
Residential
12,560
Single Family
10,041
Multi-Family
2,519
Businesses
718
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lynn Patacca • Beach Haven Realty
Mls Name: CPAR
Mls ID: #782079