713 N Spring StPensacolaFL32501
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow713 N Spring St, Pensacola, FL, 32501 in Pensacola is a top-tier cash-flow asset. At $341,824 it produces $4,864/mo in rent and $2,529/mo in net monthly income, a 17.07% gross rental yield. The DSCR of 3.16 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $30,353. Five-year appreciation adds $94,440, driving a total cumulative return of $293,362.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17.1% | 5.8% |
| Monthly Cash Flow | $2,529 | $320 |
City averages based on Pensacola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,864 |
| Total Monthly Debt Service | $2,198 |
| DSCR Ratio | 2.21x |
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 1900
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32501, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,593 (100%) |
| Owner Occupied HU | 2,368 (42.3%) |
| Renter Occupied HU | 2,326 (41.6%) |
| Vacant Housing Units | 899 (16.1%) |
| Median Home Value | $388,914 |
| Average Home Value | $452,274 |
Housing Distribution
Address Breakdown
Residential
5,280
Single Family
4,756
Multi-Family
524
Businesses
771
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
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32501, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,593 (100%) |
| Owner Occupied HU | 2,368 (42.3%) |
| Renter Occupied HU | 2,326 (41.6%) |
| Vacant Housing Units | 899 (16.1%) |
| Median Home Value | $388,914 |
| Average Home Value | $452,274 |
Housing Distribution
Address Breakdown
Residential
5,280
Single Family
4,756
Multi-Family
524
Businesses
771
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices