3320 Moss RdBonifayFL32425
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 3320 Moss Rd, Bonifay, FL, 32425 in Bonifay: $3,863/mo in rent, $419/mo in net income, 8.93% gross yield, 1.66 DSCR, all at $519,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $143,390 in appreciation and $4,780/yr in principal paydown projects total cumulative return of $224,786.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 7.2% |
| Monthly Cash Flow | $419 | $350 |
City averages based on Bonifay market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,863 |
| Total Monthly Debt Service | $3,238 |
| DSCR Ratio | 1.19x |
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.
Single Family
Built in 2006
3.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32425, Bonifay, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,120 (100%) |
| Owner Occupied HU | 3,931 (64.2%) |
| Renter Occupied HU | 1,287 (21.0%) |
| Vacant Housing Units | 902 (14.7%) |
| Median Home Value | $138,027 |
| Average Home Value | $194,559 |
Housing Distribution
Address Breakdown
Residential
5,312
Single Family
5,267
Multi-Family
45
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 2006
3.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32425, Bonifay, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,120 (100%) |
| Owner Occupied HU | 3,931 (64.2%) |
| Renter Occupied HU | 1,287 (21.0%) |
| Vacant Housing Units | 902 (14.7%) |
| Median Home Value | $138,027 |
| Average Home Value | $194,559 |
Housing Distribution
Address Breakdown
Residential
5,312
Single Family
5,267
Multi-Family
45
Businesses
390
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices