The Denton Plan, Destini LaneSouthportFL32409
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe Denton Plan, Destini Lane, Southport, FL, 32409 in Southport is a top-tier cash-flow asset. At $369,900 it produces $3,540/mo in rent and $1,085/mo in net monthly income, a 11.48% gross rental yield. The DSCR of 2.13 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $13,023. Five-year appreciation adds $102,197, driving a total cumulative return of $210,842.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.5% |
| Monthly Cash Flow | $1,085 | $300 |
City averages based on Southport market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,540 |
| Total Monthly Debt Service | $2,308 |
| 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.
Single Family
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32409, Panama City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,269 (100%) |
| Owner Occupied HU | 3,255 (76.2%) |
| Renter Occupied HU | 416 ( 9.7%) |
| Vacant Housing Units | 598 (14.0%) |
| Median Home Value | $295,508 |
| Average Home Value | $343,498 |
Housing Distribution
Address Breakdown
Residential
4,626
Single Family
4,563
Multi-Family
63
Businesses
136
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: 32409, Panama City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,269 (100%) |
| Owner Occupied HU | 3,255 (76.2%) |
| Renter Occupied HU | 416 ( 9.7%) |
| Vacant Housing Units | 598 (14.0%) |
| Median Home Value | $295,508 |
| Average Home Value | $343,498 |
Housing Distribution
Address Breakdown
Residential
4,626
Single Family
4,563
Multi-Family
63
Businesses
136
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
