847 Ridge View LnPensacolaFL32514
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.11% yield at 847 Ridge View Ln, Pensacola, FL, 32514 in Pensacola is solid, but the $1,232/mo payment compresses net cash flow to $33/mo at $274,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $75,701 by year five, and $2,524/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.50) without U.S. income documentation. Total projected return: $106,546.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.8% |
| Monthly Cash Flow | $33 | $320 |
City averages based on Pensacola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,851 |
| Total Monthly Debt Service | $1,709 |
| DSCR Ratio | 1.08x |
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 1993
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 1993
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
Listed by: Sean Killingsworth • EXP Realty, LLC
Mls Name: PAR
Mls Provider:
Mls ID: #663136
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