7178 Village LnPensacolaFL32504
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 7178 Village Ln, Pensacola, FL, 32504 in Pensacola at $235,900 earns $1,800/mo in rent and nets $191/mo after the $1,061/mo payment, a 9.16% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $65,175 over five years. Ziffy Mortgage underwrites this on a 1.70 DSCR without U.S. credit history. With $2,173/yr in principal paydown, total projected return reaches $102,399.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.8% |
| Monthly Cash Flow | $191 | $320 |
City averages based on Pensacola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,800 |
| Total Monthly Debt Service | $1,515 |
| DSCR Ratio | 1.19x |
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.
Townhouse
Built in 2024
1,829 sqft lot
$N/A/sqft
$522 annually HOA
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
Townhouse
Built in 2024
1,829 sqft lot
$N/A/sqft
$522 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices