1968 Highland Ridge Ct #1BPensacolaFL32534
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 1968 Highland Ridge Ct #1B, Pensacola, FL, 32534 in Pensacola deserves attention. This $225,900 property earns $2,220/mo in rent, a 11.79% gross yield, and nets $721/mo after the $1,016/mo payment. DSCR 2.19 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $62,412 compounds alongside $2,081/yr in yearly equity build, for a total cumulative return of $132,500.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 5.8% |
| Monthly Cash Flow | $721 | $320 |
City averages based on Pensacola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,220 |
| Total Monthly Debt Service | $1,409 |
| DSCR Ratio | 1.58x |
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.
Townhouse
Built in 2025
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32534, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,433 (100%) |
| Owner Occupied HU | 4,857 (57.6%) |
| Renter Occupied HU | 2,852 (33.8%) |
| Vacant Housing Units | 724 ( 8.6%) |
| Median Home Value | $252,281 |
| Average Home Value | $286,499 |
Housing Distribution
Address Breakdown
Residential
8,220
Single Family
8,220
Multi-Family
0
Businesses
715
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
Townhouse
Built in 2025
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32534, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,433 (100%) |
| Owner Occupied HU | 4,857 (57.6%) |
| Renter Occupied HU | 2,852 (33.8%) |
| Vacant Housing Units | 724 ( 8.6%) |
| Median Home Value | $252,281 |
| Average Home Value | $286,499 |
Housing Distribution
Address Breakdown
Residential
8,220
Single Family
8,220
Multi-Family
0
Businesses
715
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices