539 Bridle WayPensacolaFL32514
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 539 Bridle Way, Pensacola, FL, 32514 in Pensacola hard to pass up. The 11.75% gross yield on a $314,900 purchase results in $3,084/mo in rent and $994/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.18). Annual cash flow of $11,931, five-year appreciation of $87,001, and $2,900/yr in equity build-up combine for a projected total cumulative return of $184,021.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 5.8% |
| Monthly Cash Flow | $994 | $320 |
City averages based on Pensacola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,084 |
| Total Monthly Debt Service | $1,964 |
| DSCR Ratio | 1.57x |
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 2026
N/A 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 2026
N/A 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
