8102 Annabellas CtPanama City BeachFL32407
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 8102 Annabellas Ct, Panama City Beach, FL, 32407 in Panama City Beach speaks for itself: 11.43% gross on a $205,000 price, generating $1,953/mo in rent and $593/mo in net income after the $922/mo debt service. DSCR 2.12, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,111 stacks alongside $56,638 in projected five-year appreciation and $1,888/yr in principal reduction. Projected total cumulative return: $116,241.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 6.2% |
| Monthly Cash Flow | $593 | $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 | $1,953 |
| Total Monthly Debt Service | $1,279 |
| DSCR Ratio | 1.53x |
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.
Townhouse
Built in 2007
7,830 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32407, Panama City Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,951 (100%) |
| Owner Occupied HU | 3,651 (26.2%) |
| Renter Occupied HU | 4,348 (31.2%) |
| Vacant Housing Units | 5,952 (42.7%) |
| Median Home Value | $449,782 |
| Average Home Value | $483,329 |
Housing Distribution
Address Breakdown
Residential
10,160
Single Family
6,283
Multi-Family
3,877
Businesses
760
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
Townhouse
Built in 2007
7,830 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32407, Panama City Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,951 (100%) |
| Owner Occupied HU | 3,651 (26.2%) |
| Renter Occupied HU | 4,348 (31.2%) |
| Vacant Housing Units | 5,952 (42.7%) |
| Median Home Value | $449,782 |
| Average Home Value | $483,329 |
Housing Distribution
Address Breakdown
Residential
10,160
Single Family
6,283
Multi-Family
3,877
Businesses
760
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dien and Andrew Group • Think Real Estate
Mls Name: CPAR
Mls ID: #777170