8320 Binkley StPensacolaFL32514
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 8320 Binkley St, Pensacola, FL, 32514 in Pensacola speaks for itself: 18.67% gross on a $121,544 price, generating $1,891/mo in rent and $1,069/mo in net income after the $547/mo debt service. DSCR 3.46, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $12,827 stacks alongside $33,580 in projected five-year appreciation and $1,119/yr in principal reduction. Projected total cumulative return: $115,164.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.7% | 5.8% |
| Monthly Cash Flow | $1,069 | $320 |
City averages based on Pensacola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,891 |
| Total Monthly Debt Service | $774 |
| DSCR Ratio | 2.44x |
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 N/A
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 N/A
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