1209/1211 E 10th St, Panama City, FL 32401

Panama City, FL 32401 · 4 bd · 2 ba · 1,640 sqft · Multi-Family · 152 days on market

The math, in full

Asking price: $170,000
Down payment (15%): $25,500
Loan amount: $144,500
Est. monthly rent: $2,200/mo; Range $1,870 to $2,530/mo
Monthly payment, all-in: $1,397/mo; Mortgage + taxes + insurance (PITIA)
Cashflow ratio (DSCR): 1.58; $2,200 rent ÷ $1,397 payment
Monthly cashflow: +$803/mo; What's left after the payment

Where the rent number comes from

Median asking rent for 4-bedroom homes in zip 32401, from current market comps, not a per-property guess. High confidence: plenty of comparable rentals in this zip.

Cash to start

$25,500

15% down on $170,000

Your local lender

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Screened against real lending criteria. This one fits 2 programs.
Qualifies on the property's rent, no W-2 or tax returns.
Listing data verified as of July 5, 2026.

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Rent, payment, and cashflow figures are estimates based on current market data and business-purpose investment-loan criteria, for non-owner-occupied property. Not a commitment to lend, not financial advice, and not an offer of any specific loan or property. Listing data may change; properties may sell. All terms confirmed by a loan officer and subject to underwriting and appraisal.