2–4 Unit Multi-Family Financing in Marianna, FL

2–4 Unit Multi-Family investing in Marianna

A 2–4 unit property in Marianna is still residential financing — it is underwritten on the 1025 Small Residential Income Property appraisal rather than a commercial rent roll, so you keep 30-year fixed terms while spreading vacancy risk across multiple doors. Losing one tenant in a duplex costs you roughly half your income instead of all of it.

At the Marianna median of $182,000, a 2–4 unit multi-family prices near $287,560 for a typical duplex — small multifamily trades at a premium per building but a discount per door. Minimum down is 25% ($71,890), leaving a loan of $215,670. Estimated all-in PITIA runs about $1,956 per month.

Returns and structure

Return metrics at the Marianna median for this product: an estimated cap rate of 7.34%, and monthly cash flow of $881 positive at 25% down. A file that cash-flows at the minimum down payment is the exception in Florida right now, and it gives you room to absorb an insurance renewal without going to the reserve account.