1397 Sabal Palm DrGulf BreezeFL32563
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 1397 Sabal Palm Dr, Gulf Breeze, FL, 32563 in Gulf Breeze worth study. Rental yield 5.69%. The 5.69% gross yield is below cash-flow benchmarks at $749,900, but 5% annual appreciation, adding $207,184 over five years, frames this as a capital growth position. Rent of $3,555/mo partially offsets the $3,372/mo payment. Ziffy Mortgage finances appreciation-play properties (1.05 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $191,612.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 6.5% |
| Monthly Cash Flow | $(1,467) | $1,200 |
City averages based on Gulf Breeze market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,555 |
| Total Monthly Debt Service | $4,724 |
| DSCR Ratio | 0.75x |
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 2018
N/A lot
$N/A/sqft
$550 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32563, Gulf Breeze, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,428 (100%) |
| Owner Occupied HU | 9,968 (74.2%) |
| Renter Occupied HU | 2,712 (20.2%) |
| Vacant Housing Units | 748 ( 5.6%) |
| Median Home Value | $464,351 |
| Average Home Value | $531,893 |
Housing Distribution
Address Breakdown
Residential
13,008
Single Family
12,613
Multi-Family
395
Businesses
514
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 2018
N/A lot
$N/A/sqft
$550 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32563, Gulf Breeze, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,428 (100%) |
| Owner Occupied HU | 9,968 (74.2%) |
| Renter Occupied HU | 2,712 (20.2%) |
| Vacant Housing Units | 748 ( 5.6%) |
| Median Home Value | $464,351 |
| Average Home Value | $531,893 |
Housing Distribution
Address Breakdown
Residential
13,008
Single Family
12,613
Multi-Family
395
Businesses
514
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Caleb Wilkerson • Levin Rinke Realty
Mls Name: PAR
Mls Provider:
Mls ID: #663431
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