CAROLINA Plan, Cottages of PensacolaPensacolaFL32505
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines CAROLINA Plan, Cottages of Pensacola, Pensacola, FL, 32505 in Pensacola: $1,799/mo in rent, $565/mo net, 11.61% gross yield, all on a $185,990 acquisition. The 2.15 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $51,386 in value, and $1,713/yr in principal paydown steadily builds equity. Projected total cumulative return: $107,298.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 5.8% |
| Monthly Cash Flow | $565 | $320 |
City averages based on Pensacola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,799 |
| Total Monthly Debt Service | $1,160 |
| DSCR Ratio | 1.55x |
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 2025
N/A 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 2025
N/A 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
