Ozark Plan, Ashton Park Phase IIIFreeportFL32439
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $449,900, Ozark Plan, Ashton Park Phase III, Freeport, FL, 32439 in Freeport generates $3,180/mo in rent (8.48% yield) but nets only $194/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.57) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $124,299. Total projected return: $183,999.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 7.5% |
| Monthly Cash Flow | $194 | $350 |
City averages based on Freeport market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,180 |
| Total Monthly Debt Service | $2,807 |
| DSCR Ratio | 1.13x |
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: 32439, Freeport, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,758 (100%) |
| Owner Occupied HU | 6,065 (69.3%) |
| Renter Occupied HU | 1,455 (16.6%) |
| Vacant Housing Units | 1,238 (14.1%) |
| Median Home Value | $440,147 |
| Average Home Value | $573,561 |
Housing Distribution
Address Breakdown
Residential
7,553
Single Family
7,447
Multi-Family
106
Businesses
335
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: 32439, Freeport, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,758 (100%) |
| Owner Occupied HU | 6,065 (69.3%) |
| Renter Occupied HU | 1,455 (16.6%) |
| Vacant Housing Units | 1,238 (14.1%) |
| Median Home Value | $440,147 |
| Average Home Value | $573,561 |
Housing Distribution
Address Breakdown
Residential
7,553
Single Family
7,447
Multi-Family
106
Businesses
335
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
