3833 Airmont DrChipleyFL32428
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3833 Airmont Dr, Chipley, FL, 32428 in Chipley is narrow, $46/mo net on $1,578/mo rent after the $1,038/mo debt service, but the property operates at break-even-plus, not a loss. At $230,888 with a 8.2% yield, the long-run equity case via 5% appreciation ($63,790 over five years) and $2,127/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.52 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $90,962.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 9.2% |
| Monthly Cash Flow | $46 | $200 |
City averages based on Chipley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,578 |
| Total Monthly Debt Service | $1,440 |
| DSCR Ratio | 1.10x |
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 2025
10,018 sqft 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 2025
10,018 sqft 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
Listed by: Octavia Valencia • WJH Brokerage FL LLC
Mls Name: CPAR
Mls Provider:
Mls ID: #780767
Disclaimer: IDX information is provided exclusively for consumers personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS.