785 Ladner DrPensacolaFL32505
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 785 Ladner Dr, Pensacola, FL, 32505 in Pensacola. Rental yield 7.48%. The 1.39 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $77,083 and $2,570/yr in principal reduction project total return of $99,188.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.8% |
| Monthly Cash Flow | $(111) | $320 |
City averages based on Pensacola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,740 |
| Total Monthly Debt Service | $1,740 |
| DSCR Ratio | 1.00x |
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 2005
6,669 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32505, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,437 (100%) |
| Owner Occupied HU | 5,605 (45.1%) |
| Renter Occupied HU | 5,022 (40.4%) |
| Vacant Housing Units | 1,810 (14.6%) |
| Median Home Value | $116,009 |
| Average Home Value | $194,432 |
Housing Distribution
Address Breakdown
Residential
11,818
Single Family
11,047
Multi-Family
771
Businesses
1,292
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 2005
6,669 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32505, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,437 (100%) |
| Owner Occupied HU | 5,605 (45.1%) |
| Renter Occupied HU | 5,022 (40.4%) |
| Vacant Housing Units | 1,810 (14.6%) |
| Median Home Value | $116,009 |
| Average Home Value | $194,432 |
Housing Distribution
Address Breakdown
Residential
11,818
Single Family
11,047
Multi-Family
771
Businesses
1,292
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices