MAGNOLIA Plan, Sunny HillsChipleyFL32428
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, MAGNOLIA Plan, Sunny Hills, Chipley, FL, 32428 in Chipley delivers $1,488/mo in gross rent and $221/mo in net monthly income at a $190,990 entry. The 9.35% yield and 1.73 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $52,767 over five years and $1,759/yr in equity from loan paydown, total projected return is $87,016.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 9.2% |
| Monthly Cash Flow | $221 | $200 |
City averages based on Chipley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,488 |
| Total Monthly Debt Service | $1,191 |
| DSCR Ratio | 1.25x |
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 2026
N/A 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 2026
N/A 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
