9725 Highway 98 W UNIT 3PensacolaFL32506
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 9725 Highway 98 W UNIT 3, Pensacola, FL, 32506 in Pensacola at $135,000 earns $1,063/mo in rent and nets $167/mo after the $607/mo payment, a 9.45% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $37,298 over five years. Ziffy Mortgage underwrites this on a 1.75 DSCR without U.S. credit history. With $1,243/yr in principal paydown, total projected return reaches $62,222.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 5.8% |
| Monthly Cash Flow | $167 | $320 |
City averages based on Pensacola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,063 |
| Total Monthly Debt Service | $842 |
| DSCR Ratio | 1.26x |
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 1983
1,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32506, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,495 (100%) |
| Owner Occupied HU | 9,199 (55.8%) |
| Renter Occupied HU | 5,963 (36.2%) |
| Vacant Housing Units | 1,333 ( 8.1%) |
| Median Home Value | $265,191 |
| Average Home Value | $280,293 |
Housing Distribution
Address Breakdown
Residential
16,410
Single Family
15,050
Multi-Family
1,360
Businesses
520
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 1983
1,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32506, Pensacola, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,495 (100%) |
| Owner Occupied HU | 9,199 (55.8%) |
| Renter Occupied HU | 5,963 (36.2%) |
| Vacant Housing Units | 1,333 ( 8.1%) |
| Median Home Value | $265,191 |
| Average Home Value | $280,293 |
Housing Distribution
Address Breakdown
Residential
16,410
Single Family
15,050
Multi-Family
1,360
Businesses
520
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices