2025 Church StGulf BreezeFL32563
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 2025 Church St, Gulf Breeze, FL, 32563 in Gulf Breeze is narrow, $39/mo net on $1,698/mo rent after the $1,124/mo debt service, but the property operates at break-even-plus, not a loss. At $250,000 with a 8.15% yield, the long-run equity case via 5% appreciation ($69,070 over five years) and $2,303/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.51 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $97,813.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.5% |
| Monthly Cash Flow | $39 | $1,200 |
City averages based on Gulf Breeze market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,698 |
| Total Monthly Debt Service | $1,560 |
| DSCR Ratio | 1.09x |
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 2004
0.50 Acres lot
$N/A/sqft
No 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 2004
0.50 Acres lot
$N/A/sqft
No 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: Mary Della Sala • Emerald Coast Realty Pros
Mls Name: PAR
Mls ID: #677981