1-bed condo in Panama City, FL
Panama City, FL 32408 · Bay County · Active
The I/O payment, line by line
- Interest-only debt service
- $1,400
- Property tax + insurance
- $453
- HOA
- None reported
- Total
- $1,853
- 30-year P&I at 6.375%
- $1,397
- 30-year PITIA
- $1,850
Taxes and insurance are this listing's actual figures ($453/mo). No HOA fee is reported for this listing, so none is included — and on a condo that usually means the fee is missing from the data rather than genuinely zero. A real fee would reduce the DSCR above, possibly below the 1.25 we screen for. On a purchase price of $280,000 (as of August 2026) with 20% down, the loan is $224,000. 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
Some flood risk. Insurance is usually affordable but worth quoting.
Listing facts
Let's polish these numbers
Send it over and we'll tell you how DSCR and all loans pencil for this property and show you the whole market too — no cost, no credit pull.
Prefer to talk now? Call or text Chad: 858-353-8331.
Where to go next
- Investor cash-flow data for Panama City, FL
Rents, prices and DSCR spreads across the whole metro - Every home that currently pencils
Filter all of them by price, beds, state and DSCR - DSCR loans for investors
How the program qualifies a property on rental cash flow - Run your own numbers
Change the price, rate or revenue and watch the DSCR move
As a user of this system, you agree to all Scout Terms & Conditions and Home & Mortgage Conditions.