520 W Gregory StPensacolaFL32502
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 520 W Gregory St, Pensacola, FL, 32502 in Pensacola the bet is firmly on appreciation. Rental yield 4.67%. The 4.67% gross yield on a $500,000 price is below income-first thresholds, but 5%/yr value growth projects $138,141 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.87) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $102,399.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 5.8% |
| Monthly Cash Flow | $(1,371) | $320 |
City averages based on Pensacola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,947 |
| Total Monthly Debt Service | $3,119 |
| DSCR Ratio | 0.62x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1900
5,100 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 1900
5,100 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