2-bed townhouse in Panama City Beach, FL
Panama City Beach, FL 32407 · Bay County · Active
The I/O payment, line by line
- Interest-only debt service
- $1,662
- Property tax + insurance
- $566
- HOA
- $374
- Total
- $2,602
- 30-year P&I at 6.75%
- $1,816
- 30-year PITIA
- $2,756
Taxes, insurance and the HOA fee are this listing's actual figures ($940/mo combined), not an estimate — so this is stricter, and lower, than a ZIP-level DSCR. On a purchase price of $349,900 (as of August 2026) with 20% down, the loan is $279,920. 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. This is a FEMA Special Flood Hazard Area, so a federally-backed mortgage will require flood insurance.
Listing facts
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