1320 W Government StPensacolaFL32502
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 1320 W Government St, Pensacola, FL, 32502 in Pensacola at $477,900. Rental yield 6.03%. The 6.03% yield and 1.12 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 $132,035 by year five, and $4,402/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $130,590.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 5.8% |
| Monthly Cash Flow | $(803) | $320 |
City averages based on Pensacola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $3,013 |
| DSCR Ratio | 0.80x |
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 2024
3,750 sqft lot
$N/A/sqft
$380 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32502, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,918 (100%) |
| Owner Occupied HU | 1,203 (41.2%) |
| Renter Occupied HU | 1,192 (40.8%) |
| Vacant Housing Units | 523 (17.9%) |
| Median Home Value | $326,471 |
| Average Home Value | $396,199 |
Housing Distribution
Address Breakdown
Residential
2,840
Single Family
2,705
Multi-Family
135
Businesses
1,144
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
3,750 sqft lot
$N/A/sqft
$380 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32502, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,918 (100%) |
| Owner Occupied HU | 1,203 (41.2%) |
| Renter Occupied HU | 1,192 (40.8%) |
| Vacant Housing Units | 523 (17.9%) |
| Median Home Value | $326,471 |
| Average Home Value | $396,199 |
Housing Distribution
Address Breakdown
Residential
2,840
Single Family
2,705
Multi-Family
135
Businesses
1,144
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices