1-bed condo in Gulf Shores, AL
Gulf Shores, AL 36542 · Baldwin County · Active
The I/O payment, line by line
- Interest-only debt service
- $1,497
- Property tax + insurance
- $722
- HOA
- $550
- Total
- $2,770
- 30-year P&I at 6.375%
- $1,495
- 30-year PITIA
- $2,767
Taxes, insurance and the HOA fee are this listing's actual figures ($1,272/mo combined), not an estimate — so this is stricter, and lower, than a ZIP-level DSCR. On a purchase price of $299,500 (as of August 2026) with 20% down, the loan is $239,600. Rate, term and costs are the published assumptions, not a quote — your actual payment depends on your credit, reserves, entity structure and the appraisal.
Flood risk
Expect a meaningful flood-insurance premium, and lenders will require it in a FEMA high-risk zone. This is a FEMA Special Flood Hazard Area, so a federally-backed mortgage will require flood insurance.
Listing facts
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Prefer to talk now? Call or text Chad: 858-353-8331.
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