4-bed house in Pensacola Beach, FL
Pensacola Beach, FL 32561 · Escambia County · Active
The I/O payment, line by line
- Interest-only debt service
- $5,990
- Property tax + insurance
- $1,152
- HOA
- $21
- Total
- $7,163
- 30-year P&I at 6.75%
- $6,543
- 30-year PITIA
- $7,716
Taxes, insurance and the HOA fee are this listing's actual figures ($1,173/mo combined), not an estimate — so this is stricter, and lower, than a ZIP-level DSCR. On a purchase price of $1,261,000 (as of August 2026) with 20% down, the loan is $1,008,800. Rate, term and costs are the published assumptions, not a quote — your actual payment depends on your credit, reserves, entity structure and the appraisal.
Flood risk
Flood insurance will be expensive and may be mandatory. Get a quote before you write an offer. This is a FEMA Special Flood Hazard Area, so a federally-backed mortgage will require flood insurance.
Listing facts
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