21316 Sunset Ave, Panama City Beach, FL 32413

Panama City Beach, FL 32413 · 2 bd · 1 ba · 624 sqft · Single Family · 12 days on market

The math, in full

Asking price: $264,950
Down payment (15%): $39,743
Loan amount: $225,207
Est. monthly rent: $2,800/mo; Range $2,380 to $3,220/mo
Monthly payment, all-in: $2,177/mo; Mortgage + taxes + insurance (PITIA)
Cashflow ratio (DSCR): 1.29; $2,800 rent ÷ $2,177 payment
Monthly cashflow: +$623/mo; What's left after the payment

Where the rent number comes from

Median asking rent for 2-bedroom homes in zip 32413, from current market comps, not a per-property guess. High confidence: plenty of comparable rentals in this zip.

Cash to start

$39,743

15% down on $264,950

Your local lender

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Screened against real lending criteria. This one fits 3 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.