3753 Bunyon DrChipleyFL32428
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3753 Bunyon Dr, Chipley, FL, 32428 in Chipley is narrow, $174/mo net on $1,136/mo rent after the $652/mo debt service, but the property operates at break-even-plus, not a loss. At $145,000 with a 9.4% yield, the long-run equity case via 5% appreciation ($40,061 over five years) and $1,335/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.74 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $66,490.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 9.2% |
| Monthly Cash Flow | $174 | $200 |
City averages based on Chipley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,136 |
| Total Monthly Debt Service | $905 |
| DSCR Ratio | 1.26x |
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 N/A
10 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
Single Family
Built in N/A
10 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