2201 Scenic Hwy APT F4PensacolaFL32503
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowTight but positive: 2201 Scenic Hwy APT F4, Pensacola, FL, 32503 in Pensacola at $174,500 earns $1,582/mo in rent and nets $44/mo after the $785/mo payment, a 10.88% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $48,211 over five years. Ziffy Mortgage underwrites this on a 2.02 DSCR without U.S. credit history. With $1,607/yr in principal paydown, total projected return reaches $93,817.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 5.8% |
| Monthly Cash Flow | $44 | $320 |
City averages based on Pensacola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,582 |
| Total Monthly Debt Service | $1,089 |
| DSCR Ratio | 1.45x |
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.
Condo
Built in 1982
7.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32503, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,776 (100%) |
| Owner Occupied HU | 8,524 (57.7%) |
| Renter Occupied HU | 4,736 (32.1%) |
| Vacant Housing Units | 1,516 (10.3%) |
| Median Home Value | $372,177 |
| Average Home Value | $414,973 |
Housing Distribution
Address Breakdown
Residential
14,587
Single Family
13,675
Multi-Family
912
Businesses
1,278
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
Condo
Built in 1982
7.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32503, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,776 (100%) |
| Owner Occupied HU | 8,524 (57.7%) |
| Renter Occupied HU | 4,736 (32.1%) |
| Vacant Housing Units | 1,516 (10.3%) |
| Median Home Value | $372,177 |
| Average Home Value | $414,973 |
Housing Distribution
Address Breakdown
Residential
14,587
Single Family
13,675
Multi-Family
912
Businesses
1,278
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices