Investment property · DSCR screen

2-bed townhouse in Panama City, FL

Panama City, FL 32401 · Bay County · Active

2 bed, 2 bath townhouse for sale in Panama City, FL — Listed by Think Real Estate

Beds2

Baths2

Sq ft933

Year built2025

TypeTownhouse

LotNot reported

The I/O payment, line by line

Interest-only debt service: $950
Property tax + insurance: $167
HOA: None reported
Total: $1,117
30-year P&I at 6.375%: $948
30-year PITIA: $1,115

Taxes and insurance are this listing's actual figures ($167/mo). No HOA fee is reported for this listing, so none is included — and on a townhouse 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 $190,000 (as of August 2026) with 20% down, the loan is $152,000. 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

1/10

Minimal risk · FEMA zone X (unshaded)

Low modeled flood risk. Standard hazard insurance is normally enough.

Listing facts

Revenue comparables9 · High confidence

ListedAug 18, 2025

Days on market359

StatusActive

Revenue comps9

ConfidenceHigh

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.

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I'm looking at this home on your Investment Properties page:

2-bed townhouse in Panama City, FL 32401
Scout listing ID: 5419002028
/investment-properties/p/2-bed-townhouse-panama-city-32401-5419002028/

List price: $190,000 (as of August 2026)
Townhouse · 2 bed · 2 bath · 933 sqft · built 2025
County: Bay

Projected short-term-rental revenue: $22,400–$28,500 a year
Based on 9 comparable listings at high confidence — ZIP + bedroom comparables, not an appraisal of this home

Estimated interest-only payment at 80% LTV and 7.5%:
· Interest: $950
· Property tax + insurance: $167
· HOA: none reported
· Total: $1,117

Estimated I/O DSCR after a 20% operating-cost allowance: 1.52 — Exceptional · well above the 1.25 line (the listing's actual taxes and insurance; NO HOA fee is reported for it, so none is included — a real fee would lower this)
Estimated 30-year DSCR at 6.375%: 1.52

Can you tell me what DSCR and other loans look like for this property, and are there others like it in this market?

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