7101 Joy St APT B1PensacolaFL32504
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow7101 Joy St APT B1, Pensacola, FL, 32504 in Pensacola is a top-tier cash-flow asset. At $159,000 it produces $1,907/mo in rent and $556/mo in net monthly income, a 14.39% gross rental yield. The DSCR of 2.67 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $6,670. Five-year appreciation adds $43,929, driving a total cumulative return of $97,703.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.4% | 5.8% |
| Monthly Cash Flow | $556 | $320 |
City averages based on Pensacola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,907 |
| Total Monthly Debt Service | $1,288 |
| DSCR Ratio | 1.48x |
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 2003
N/A lot
$N/A/sqft
$3,000 annually HOA
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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 2003
N/A lot
$N/A/sqft
$3,000 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices