2081 W Romana StPensacolaFL32502
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 2081 W Romana St, Pensacola, FL, 32502 in Pensacola at $330,000 earns $2,336/mo in rent and nets $146/mo after the $1,484/mo payment, a 8.49% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $91,173 over five years. Ziffy Mortgage underwrites this on a 1.57 DSCR without U.S. credit history. With $3,039/yr in principal paydown, total projected return reaches $135,207.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.8% |
| Monthly Cash Flow | $146 | $320 |
City averages based on Pensacola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,336 |
| Total Monthly Debt Service | $2,059 |
| DSCR Ratio | 1.13x |
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 2020
3,750 sqft lot
$N/A/sqft
No 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 2020
3,750 sqft lot
$N/A/sqft
No 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