102 E Belmont StPensacolaFL32501
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSteady, low-maintenance, and fundable: 102 E Belmont St, Pensacola, FL, 32501 in Pensacola at $399,600. Rental yield 7.03%. The 7.03% yield and 1.30 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $110,402 by year five, and $3,680/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $132,274.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 5.8% |
| Monthly Cash Flow | $(312) | $320 |
City averages based on Pensacola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,340 |
| Total Monthly Debt Service | $2,493 |
| DSCR Ratio | 0.94x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1916
2,025 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32501, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,593 (100%) |
| Owner Occupied HU | 2,368 (42.3%) |
| Renter Occupied HU | 2,326 (41.6%) |
| Vacant Housing Units | 899 (16.1%) |
| Median Home Value | $388,914 |
| Average Home Value | $452,274 |
Housing Distribution
Address Breakdown
Residential
5,280
Single Family
4,756
Multi-Family
524
Businesses
771
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1916
2,025 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32501, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,593 (100%) |
| Owner Occupied HU | 2,368 (42.3%) |
| Renter Occupied HU | 2,326 (41.6%) |
| Vacant Housing Units | 899 (16.1%) |
| Median Home Value | $388,914 |
| Average Home Value | $452,274 |
Housing Distribution
Address Breakdown
Residential
5,280
Single Family
4,756
Multi-Family
524
Businesses
771
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices