9900 S Thomas Dr #14081 bed · 2 bathsCash flow
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9900 S Thomas Dr #1408
Panama City Beach, FL 324081 bed · 2 bathsSleeps 2
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- Cash flow
- Estimated revenue
- Cash-on-cash
- Cap rate
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Panama City Beach, FL 324081 bed · 2 bathsSleeps 2
Finding nearby Airbnbs to compare…
Panama City Beach, FL 324081 bed2 bathsSleeps 2
Estimated from 50 nearby Airbnbs, typically 0.1 mi away, data through Sep 2026How we estimate
Keeps cash-flowing up to about $462k with 25% down
It would earn about $48,795 a year, with $17,288 of operating costs and a $1,546 monthly mortgage (25% down at 7%). Its income covers the loan 1.70 times, above the 1.25 most DSCR lenders look for.
Chalet AI
Every number below is an assumption you can change. The page updates as you type, and the link keeps your changes.
68% of nights booked at $223
Gross revenue
$48,795 a year
Nearby estimate: 68% · ~248 nights
Nearby estimate: $223
3% Airbnb host fee and 10% management, of revenue
Airbnb host fee
Share of revenue
−$1,464 a year
Property management
Share of revenue. 0% if you self-manage
−$4,880 a year
Property tax, insurance, utilities, maintenance and an STR license
Property tax
Share of price, per year
−$3,098 a year
Insurance
Default: 0.5% of price
−$1,549 a year
Utilities and internet
Default for this size: $250 a month
−$3,000 a year
Maintenance
Share of price, per year
−$3,098 a year
HOA
$0 a year
STR license and permits
−$200 a year
25% down at 7% over 30 years
Down payment
$77,450 of the price
Interest rate
Default: 7%
Loan term
Mortgage payment
$1,546 a month on a $232,350 loan
−$18,550 a year
Cash flow
27%+$1,080 a month
Paid once: down payment, closing costs and furnishing
Down payment
$77,450 a year
Closing costs
Share of price
$3,098 a year
Furnishing and setup
$20,000 a year
That's the middle half of the 50 Airbnbs this estimate comes from, typically 0.1 miles away. Revenue and occupancy are Chalet's estimates from each listing's observed bookings.
For the bigger picture, see Panama City Beach, FL Airbnb market data.
The dashed line is the revenue a month needs to cover its costs: $2,825, of which $2,458 is owed whether or not it's booked. Months below it are marked in the chart.
Over 5 years, then a sale. Assumes the home gains 5% a year, revenue grows 1.5% a year, owning costs grow 3% a year, and 6% selling costs. A projection, not a promise.
Short-term rental owners who materially participate can often deduct a large share of the price in year one through cost segregation. Switch it on to see an estimate.
Keep this analysis of 9900 S Thomas Dr #1408, with your changes.
Disclaimer. This page and the data presented are for informational purposes only. The information provided should not be construed as financial, legal, or investment advice. Market conditions can change rapidly, and past performance does not guarantee future results. Always consult with qualified professionals before making investment decisions.
Zestimate® provided as is via the Zillow Zestimate API. © Zillow, Inc., 2006–2026. Use is subject to Terms of Use.
