Elm Plan, The CottagesPanama CityFL32405
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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
Investment Highlights
Investment property for sale in Panama City at Elm Plan, The Cottages, Panama City, FL, 32405 listed at $355,600 pairs $2,749/mo rent with a $1,740/mo payment to leave $390/mo cash flow. Total monthly income runs $2,749/mo, and annual cash flow reaches $4,676/yr on $117,881 cash to close. Return on cash invested measures 23.88% in year one, and rental yield registers 9.28% at a $355,600 basis. Equity gained on principal adds $2,295/yr, and annual property appreciation at 5% supports $98,246 by year five. Five-year ROI tracks 124.71% and total cumulative return in cash totals $147,008. Financing can be arranged with Ziffy Mortgage’s DSCR loan, which qualifies using $2,749/mo property income relative to a $1,740/mo payment rather than your personal income (W2, Tax Returns, Paystubs, or 1099).
Single Family
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32405, Panama City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,910 (100%) |
| Owner Occupied HU | 7,737 (51.9%) |
| Renter Occupied HU | 4,741 (31.8%) |
| Vacant Housing Units | 2,432 (16.3%) |
| Median Home Value | $336,326 |
| Average Home Value | $395,025 |
Housing Distribution
Address Breakdown
Residential
13,594
Single Family
12,208
Multi-Family
1,386
Businesses
1,407
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Listed by: Janet Melton • Harris Doyle Homes
Mls Name: Harris Doyle Homes, Inc.
Mls Provider:
Mls ID: #N/A