21 Talladega TrlPensacolaFL32506
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 21 Talladega Trl, Pensacola, FL, 32506 in Pensacola. Priced at $137,000, it generates $2,552/mo in gross rent and $1,643/mo in net monthly cash flow, a 22.36% yield that comfortably supports the 4.14 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $19,719. Five-year appreciation: $37,851. Equity from principal paydown: $1,262/yr. Total projected cumulative return: $157,955.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 22.4% | 5.8% |
| Monthly Cash Flow | $1,643 | $320 |
City averages based on Pensacola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,552 |
| Total Monthly Debt Service | $855 |
| DSCR Ratio | 2.99x |
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 1966
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32506, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,495 (100%) |
| Owner Occupied HU | 9,199 (55.8%) |
| Renter Occupied HU | 5,963 (36.2%) |
| Vacant Housing Units | 1,333 ( 8.1%) |
| Median Home Value | $265,191 |
| Average Home Value | $280,293 |
Housing Distribution
Address Breakdown
Residential
16,410
Single Family
15,050
Multi-Family
1,360
Businesses
520
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 1966
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32506, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,495 (100%) |
| Owner Occupied HU | 9,199 (55.8%) |
| Renter Occupied HU | 5,963 (36.2%) |
| Vacant Housing Units | 1,333 ( 8.1%) |
| Median Home Value | $265,191 |
| Average Home Value | $280,293 |
Housing Distribution
Address Breakdown
Residential
16,410
Single Family
15,050
Multi-Family
1,360
Businesses
520
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amanda Diamond • Hurd Real Estate & Company LLC
Mls Name: PAR
Mls Provider:
Mls ID: #669228
Disclaimer: Copyright 2025 by the Multiple Listing Service of the Pensacola Association of REALTORS. This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS. Florida recognizes single and transaction agency relationships. Information deemed reliable but not guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.