4622 Citadel DrPensacolaFL32514
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4622 Citadel Dr, Pensacola, FL, 32514 in Pensacola at $229,900 earns $1,573/mo in rent and nets $47/mo after the $1,034/mo payment, a 8.21% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $63,517 over five years. Ziffy Mortgage underwrites this on a 1.52 DSCR without U.S. credit history. With $2,117/yr in principal paydown, total projected return reaches $90,673.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.8% |
| Monthly Cash Flow | $47 | $320 |
City averages based on Pensacola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,573 |
| Total Monthly Debt Service | $1,434 |
| DSCR Ratio | 1.10x |
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 1982
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32514, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,330 (100%) |
| Owner Occupied HU | 9,674 (50.0%) |
| Renter Occupied HU | 8,179 (42.3%) |
| Vacant Housing Units | 1,477 ( 7.6%) |
| Median Home Value | $286,128 |
| Average Home Value | $334,977 |
Housing Distribution
Address Breakdown
Residential
19,150
Single Family
14,374
Multi-Family
4,776
Businesses
796
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 1982
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32514, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,330 (100%) |
| Owner Occupied HU | 9,674 (50.0%) |
| Renter Occupied HU | 8,179 (42.3%) |
| Vacant Housing Units | 1,477 ( 7.6%) |
| Median Home Value | $286,128 |
| Average Home Value | $334,977 |
Housing Distribution
Address Breakdown
Residential
19,150
Single Family
14,374
Multi-Family
4,776
Businesses
796
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices