12094 Emerald Heights Ln #10CPensacolaFL32506
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 12094 Emerald Heights Ln #10C, Pensacola, FL, 32506 in Pensacola speaks for itself: 10.06% gross on a $343,400 price, generating $2,880/mo in rent and $568/mo in net income after the $1,544/mo debt service. DSCR 1.87, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $6,814 stacks alongside $94,875 in projected five-year appreciation and $3,163/yr in principal reduction. Projected total cumulative return: $167,592.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 5.8% |
| Monthly Cash Flow | $568 | $320 |
City averages based on Pensacola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,880 |
| Total Monthly Debt Service | $2,176 |
| DSCR Ratio | 1.32x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 2024
N/A lot
$N/A/sqft
$400 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32506, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,495 (100%) |
| Owner Occupied HU | 9,199 (55.8%) |
| Renter Occupied HU | 5,963 (36.2%) |
| Vacant Housing Units | 1,333 ( 8.1%) |
| Median Home Value | $265,191 |
| Average Home Value | $280,293 |
Housing Distribution
Address Breakdown
Residential
16,410
Single Family
15,050
Multi-Family
1,360
Businesses
520
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 2024
N/A lot
$N/A/sqft
$400 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32506, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,495 (100%) |
| Owner Occupied HU | 9,199 (55.8%) |
| Renter Occupied HU | 5,963 (36.2%) |
| Vacant Housing Units | 1,333 ( 8.1%) |
| Median Home Value | $265,191 |
| Average Home Value | $280,293 |
Housing Distribution
Address Breakdown
Residential
16,410
Single Family
15,050
Multi-Family
1,360
Businesses
520
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices