5205 E 11th St, Panama City, FL 32404
Panama City, FL 32404 · 3 bd · 1 ba · 1,067 sqft · Single Family · 2 days on market
The math, in full
- Asking price
- $140,000
- Down payment (15%)
- $21,000
- Loan amount
- $119,000
- Est. monthly rent
- Range $1,611–$2,179/mo
- $1,895/mo
- Monthly payment, all-in
- Mortgage + taxes + insurance (PITIA)
- $1,150/mo
- Cashflow ratio (DSCR)
- $1,895 rent ÷ $1,150 payment
- 1.65
- Monthly cashflow
- What's left after the payment
- +$745/mo
Where the rent number comes from
Median asking rent for 3-bedroom homes in zip 32404, from current market comps — not a per-property guess. High confidence — plenty of comparable rentals in this zip.
Cash to start
$21,000
15% down on $140,000
No credit pull. No obligation. A loan officer confirms real terms within one business day.
- 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 June 9, 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.