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The Bayberry Plan 🏗️ New Construction
C- Composite 51.37
Why this score? — see what drove the C- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • Cash flow +18.5/30.0
  • ARV discount +7.5/15.0
  • DSCR +5.8/10.0
  • 1% rule +5.0/10.0
  • Condition / age +4.8/5.0
  • Rent growth +3.7/5.0
  • Livability +3.5/5.0
  • Schools +2.7/10.0
  • Appreciation +0.0/10.0

$69,900

The Bayberry Plan · Brent, FL 32505
3 bd · 2.0 ba · 1,322 sqft · SingleFamily · 497 Days on market
Excellent condition ↓ 18% since listing

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Experience the perfect balance of activity and relaxation at Oakstead, our all-age, pet-friendly community in the heart of Pensacola, FL. Designed for fun and connection, our neighborhood features a playground for endless adventures and basketball courts for recreation and friendly competition. Conveniently located near shopping, dining, and top-rated schools, Oakstead offers easy access to everything you need while providing a warm, welcoming environment where neighbors become friends and families thrive. Discover a community built for connection and convenience-contact us today to learn more about making Oakstead your new home!

Key facts

  • Top rated schools
  • Shopping
  • Dining

Tags

PLAYGROUNDBASKETBALL COURTSSHOPPINGDININGTOP RATED SCHOOLS

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…
🏗️ New construction. The $69,900 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $158,054.

What this means for you Summary

Snapshot

  • This is a 3-bed/2.0-bath single-family listed at $70k. Condition is rated excellent.

Deal economics

  • At list price, monthly cash flow is $151 ($2k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $70k).
  • Recommended offer: $62k (12.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 69/100 on livability (#484 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime D, amenities F, commute F.
  • Escambia (suburban): math 40% / reading 45% proficiency, ranked #56 of 73 in FL (top 77%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Montclair Elementary School (math 42% / reading 29%, grade F, #1,684 of 2,144 statewide, top 79%, 379 students, 91% FRL); Bellview Middle School (math 17% / reading 23%, grade F, #558 of 571 statewide, top 98%, 992 students, 76% FRL); Escambia High School (math 19% / reading 29%, grade F, #529 of 667 statewide, top 80%, 1,655 students, 62% FRL) — zoned schools average 76% FRL vs 58% district-wide (18 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Zoned-school proficiency averages 26% at this address vs 42% district-wide (-16 pts) — the specific schools serving this property underperform the Escambia average; the district grade overstates school quality for this exact location.
  • Market conditions: Rents rising fast (+4.9%/yr); 284 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 62d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 55% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 1,479 units permitted in Escambia County in 2024 (0 in 5+ unit buildings).
  • This rent runs 42% of the median local income ($45k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
  • Escambia County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

  • It's been on market 497 days — a 12% lower offer ($62k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Watch-outs: property tax is 3.4% of price.
Recommended offer $61,512 (12.0% below list)

Questions for the listing agent

  1. It's been on market 497 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
  6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
1.00%
Cap rate
7.44%
Cash-on-cash
4.09%
DSCR
1.18
GRM
8.4

CMA / ARV

ARV (median comp)
$158,054
List price
$69,900
Delta
-55.77%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
1200 Cheyenne Cir 0.28mi 4/2.0 (+1) 1,325 (+0%) 3mo $195,000 $147 79
4410 Havre Way 0.39mi 3/2.0 1,359 (+3%) 1mo $215,000 $158 76
4494 Landes Dr 0.39mi 4/2.0 (+1) 1,325 (+0%) 2mo $209,000 $158 75
906 Ontario Ln 0.41mi 3/2.0 1,384 (+5%) 2mo $150,000 $108 72
4404 Ellysee Way 0.26mi 3/2.0 1,435 (+8%) 5mo $239,900 $167 70
4402 Deauville Way 0.22mi 3/1.0 1,212 (-8%) 3mo $103,000 $85 69
702 Loire Way 0.60mi 3/1.0 1,297 (-2%) 6mo $100,000 $77 60
4506 Lemoyne Ln 0.49mi 3/2.0 1,469 (+11%) 2mo $135,000 $92 57
4596 Monpellier Dr 0.60mi 4/2.0 (+1) 1,400 (+6%) 2mo $244,900 $175 56
4508 Lemoyne Ln 0.52mi 3/2.0 1,466 (+11%) 3mo $155,000 $106 55
228 Topaz Ave 0.71mi 2/1.5 (-1) 1,357 (+3%) 2mo $149,900 $110 54
219 Ruby Ave 0.72mi 4/1.0 (+1) 1,271 (-4%) 1mo $150,000 $118 50

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 4.92% rent growth · sell at horizon

5-year hold
IRR
-7.7%
Equity multiple
0.71×
Total profit
$-12,884
Equity at exit
$23,566
10-year hold
IRR
4.1%
Equity multiple
1.33×
Total profit
$14,467
Equity at exit
$13,666

Cash invested: $44,255 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
87 Strongly Landlord-Friendly
State Florida
87 Strongly Landlord-Friendly · R+3
County
— inherits STATE
City
— inherits STATE
3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.
Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
30 active · 32 under contract
Months of supply
5.8 mo (17%/mo absorbed)
Median asking
$125,000 ($106/sqft)
Median days on market
141 d
This list price
10% of active listings are priced below it
ARV vs active asking
+13.0% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 32505

Home prices YoY
-26.5%
Rents YoY
4.9%
Active inventory
284
Price-to-rent
3.7×

Monthly cashflow live

Estimated rent
$1,574 high interval (Pro) →
Mortgage (P&I)
$829
Tax est. 1.5%
$198 /mo · $2,371/yr
Insurance
$66
HOA
$0
Vacancy / Maint / Mgmt
$330
Net cashflow
$151

Break-even live

Break-even rent $1,383
Max offer price $158,054
Occupancy floor 85%

Sensitivity live

Price -10% $260 -5% $205 +0% $151 +5% $96 +10% $42
Rent -10% $27 -5% $89 +0% $151 +5% $213 +10% $275
Rate -1.0pp $230 -0.5pp $191 base $151 +0.5pp $110 +1.0pp $68

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$39,514
Closing costs
$4,742
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
4509 Ellysee Way Pensacola, FL 3.0 1.0 1212 $1,325 $1.09 62d 1 0.49mi
1100 Belair Rd Pensacola, FL 3.0 1.5 1376 $1,695 $1.23 6d 1 0.56mi
4516 Charmonte Way Pensacola, FL 4.0 1.0 1252 $1,600 $1.28 4d 1 0.56mi
918 Montclair Rd Pensacola, FL 3.0 1.0 1012 $1,500 $1.48 109d 1 0.64mi
918 Fremont Ave Pensacola, FL 3.0 1.0 1756 $1,450 $0.83 109d 1 0.70mi
1017 Fremont Ave Pensacola, FL 3.0 1.0 1296 $1,350 $1.04 0d 1 0.75mi
3417 W Fisher St Unit C Pensacola, FL 3.0 2.0 1106 $1,350 $1.22 119d 1 0.75mi
4547 Marseille Dr Pensacola, FL 3.0 2.0 1242 $1,650 $1.33 62d 1 0.76mi
3516 N S St Pensacola, FL 2.0 2.0 924 $1,300 $1.41 6d 1 0.77mi
902 Lucerne Ave Pensacola, FL 3.0 2.0 1276 $1,600 $1.25 119d 1 0.82mi
5180 Burlington Ave Pensacola, FL 3.0 2.0 1184 $1,650 $1.39 3d 1 0.84mi
5180 Burlington Ave Pensacola, FL 3.0 2.0 1184 $1,650 $1.39 119d 1 0.84mi
3418 Luke St Pensacola, FL 4.0 2.0 1620 $1,800 $1.11 119d 1 0.85mi
203 Topaz Ave Pensacola, FL 3.0 1.0 1680 $1,400 $0.83 6d 1 0.88mi
3418 W Yonge St Pensacola, FL 3.0 1.5 1140 $1,245 $1.09 5d 1 0.94mi
707 New York Dr Pensacola, FL 2.0 1.0 1266 $1,149 $0.91 62d 1 0.94mi
3411 W Yonge St Pensacola, FL 3.0 2.0 1356 $1,450 $1.07 6d 1 0.98mi
5505 Fairview Dr Pensacola, FL 3.0 2.0 1100 $1,700 $1.55 4d 1 1.00mi
2 Nevada Cir Pensacola, FL 3.0 1.0 968 $1,225 $1.27 62d 1 1.03mi
2301 W Michigan Ave #21 Pensacola, FL 2.0 2.5 1164 $1,325 $1.14 119d 1 1.05mi
2301 W Michigan Ave #17 Pensacola, FL 2.0 2.5 1164 $1,700 $1.46 62d 1 1.06mi
835 S Madison Dr Pensacola, FL 3.0 1.0 1014 $1,600 $1.58 62d 1 1.07mi
2301 W Michigan Ave #29 Pensacola, FL 2.0 2.5 1164 $1,300 $1.12 6d 1 1.07mi
5409 E Shore Dr Pensacola, FL 2.0 1.0 1000 $1,100 $1.10 6d 1 1.08mi
5409 E Shore Dr Pensacola, FL 2.0 1.0 1000 $1,100 $1.10 62d 1 1.08mi
912 Clearview Ave Pensacola, FL 3.0 1.0 888 $1,500 $1.69 5d 1 1.08mi
2303 W Michigan Ave Unit A6 Pensacola, FL 2.0 2.0 1014 $1,300 $1.28 119d 1 1.10mi
117 Bayliss Ct Pensacola, FL 3.0 2.0 1406 $1,750 $1.24 4d 1 1.11mi
5602 W Shore Dr Unit B Pensacola, FL 2.0 2.0 920 $1,250 $1.36 119d 1 1.17mi
2004 Glenwood Ave Pensacola, FL 3.0 1.0 1300 $695 $0.53 6d 1 1.17mi
925 Twinbrook Ave Pensacola, FL 3.0 1.0 1105 $1,750 $1.58 119d 1 1.24mi
206 Garfield Dr Pensacola, FL 4.0 2.0 1100 $2,100 $1.91 6d 1 1.24mi
221 Edison Dr Pensacola, FL 3.0 1.0 1500 $1,598 $1.07 119d 1 1.25mi
5841 Last Big Tree Ln Pensacola, FL 4.0 2.0 1375 $1,800 $1.31 6d 1 1.30mi
3296 Two Sisters Way Pensacola, FL 4.0 2.5 1856 $1,795 $0.97 119d 1 1.32mi
206 Edison Dr Pensacola, FL 4.0 1.0 1100 $1,350 $1.23 62d 1 1.34mi
2300 W Michigan Ave #12 Pensacola, FL 2.0 2.0 1050 $1,300 $1.24 119d 1 1.35mi
2300 W Michigan Ave Pensacola, FL 2.0 2.0 1075 $1,225 $1.14 6d 2 1.38mi
2300 W Michigan Ave Pensacola, FL 2.0 2.0 1031 $1,238 $1.20 62d 3 1.38mi
2355 W Michigan Ave Pensacola, FL 1.0–3.0 1.0–2.5 1150 $1,775 $1.54 6d 9 1.41mi

Listing history 50 events

  1. 2026-08-21
    days on market $69,900 Active 497 DOM
  2. 2026-08-20
    days on market $69,900 Active 496 DOM
  3. 2026-08-19
    days on market $69,900 Active 495 DOM
  4. 2026-08-18
    days on market $69,900 Active 494 DOM
  5. 2026-08-17
    days on market $69,900 Active 493 DOM
  6. 2026-08-16
    days on market $69,900 Active 492 DOM
  7. 2026-08-15
    days on market $69,900 Active 491 DOM
  8. 2026-08-14
    days on market $69,900 Active 490 DOM
  9. 2026-08-13
    days on market $69,900 Active 489 DOM
  10. 2026-08-12
    days on market $69,900 Active 488 DOM
  11. 2026-08-11
    days on market $69,900 Active 487 DOM
  12. 2026-08-10
    days on market $69,900 Active 486 DOM
  13. 2026-08-09
    days on market $69,900 Active 485 DOM
  14. 2026-08-08
    days on market $69,900 Active 484 DOM
  15. 2026-08-07
    days on market $69,900 Active 483 DOM
  16. 2026-08-06
    days on market $69,900 Active 482 DOM
  17. 2026-08-05
    days on market $69,900 Active 481 DOM
  18. 2026-08-04
    days on market $69,900 Active 480 DOM
  19. 2026-08-03
    days on market $69,900 Active 479 DOM
  20. 2026-07-31
    days on market $69,900 Active 476 DOM
  21. 2026-07-30
    days on market $69,900 Active 475 DOM
  22. 2026-07-29
    days on market $69,900 Active 474 DOM
  23. 2026-07-27
    days on market $69,900 Active 472 DOM
  24. 2026-07-25
    days on market $69,900 Active 470 DOM
  25. 2026-07-23
    days on market $69,900 Active 468 DOM
  26. 2026-07-22
    days on market $69,900 Active 467 DOM
  27. 2026-07-21
    days on market $69,900 Active 466 DOM
  28. 2026-07-18
    days on market $69,900 Active 463 DOM
  29. 2026-07-16
    days on market $69,900 Active 461 DOM
  30. 2026-07-16
    days on market $69,900 Active 460 DOM
  31. 2026-07-14
    days on market $69,900 Active 459 DOM
  32. 2026-07-14
    days on market $69,900 Active 458 DOM
  33. 2026-07-12
    days on market $69,900 Active 457 DOM
  34. 2026-07-11
    days on market $69,900 Active 456 DOM
  35. 2026-07-10
    days on market $69,900 Active 455 DOM
  36. 2026-07-09
    days on market $69,900 Active 454 DOM
  37. 2026-07-08
    days on market $69,900 Active 453 DOM
  38. 2026-07-07
    days on market $69,900 Active 452 DOM
  39. 2026-07-06
    days on market $69,900 Active 451 DOM
  40. 2026-07-05
    days on market $69,900 Active 450 DOM
  41. 2026-07-04
    days on market $69,900 Active 449 DOM
  42. 2026-07-03
    days on market $69,900 Active 448 DOM
  43. 2026-07-02
    days on market $69,900 Active 447 DOM
  44. 2026-07-01
    days on market $69,900 Active 446 DOM
  45. 2026-06-30
    days on market $69,900 Active 445 DOM
  46. 2026-06-29
    days on market $69,900 Active 444 DOM
  47. 2026-06-28
    days on market $69,900 Active 443 DOM
  48. 2026-06-28
    days on market $69,900 Active 442 DOM
  49. 2026-06-27
    days on market $69,900 Active 441 DOM
  50. 2026-06-25
    days on market $69,900 Active 439 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$18,882
− Mortgage interest
−$8,854
− Property taxes
−$2,371
− Insurance
−$790
− Repairs & maintenance
−$1,511
− Management
−$1,511
− Depreciation
−$4,598
Taxable loss
−$751
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$180
After-tax cash flow
$1,990/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 1 photo

Excellent 95/100 None rehab

This single-family home in Brent, FL, is in excellent condition with no visible repairs needed. It offers a good investment opportunity with potential for minor updates to enhance its resale and rental value.

Value-add opportunities

  • Both Painting the exterior siding — Fresh paint can enhance curb appeal and property value.
  • Both Landscaping improvements — Enhanced landscaping can improve curb appeal and attract potential buyers/tenants.
  • Both Interior touch-ups — Fresh paint and minor updates can make the interior more inviting and attractive.
F Composite school gradezoned avg 26/100

Zoned Schools

Elementary Montclair Elementary School F FL #1,684/2,144 Nat'l #22,764/41,679 Middle Bellview Middle School F FL #558/571 Nat'l #11,652/14,009 High Escambia High School F FL #529/667 Nat'l #13,437/17,239

Schools (NCES district)

District
Escambia
NCES district ID
1200510
Math proficiency
40% ▼ -9.00%
Reading proficiency
45% ▼ -4.00%
Median HH income
$44,649
Composite
36.04/100
National rank
#4773
State rank
#56 of 73 in FL
C Composite livability gradescore 69/100

Livability — Brent

Score
69/100
State rank
#484
US rank
#8921

Category grades

Amenities F Commute F Cost of living A+ Crime D Employment F Housing A+ Health & safety A+ User ratings D-

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Brent, FL
County
Escambia County · 334,637 people
City population
27,543
Metro
Pensacola-Ferry Pass-Brent, FL
Population (ZIP)
27,877
Household income
$44,783
Rent vs Own
47.7% rent · 52.3% own
Severe rent burden
16% of renters

Population outlook (Escambia County) Hauer SSP2

Today (2025)
334,637 people
By 2030
345,779 · +3.3%
By 2040
364,828 · +9.0%
By 2050
378,514 · +13.1%
By 2075
403,220 · +20.5%
By 2100
386,125 · +15.4%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.66)
Race & ethnicity
Black 48% White 32% Hispanic / Latino 11% Two or more races 9% Asian 2%
Hispanic origin (detail)
Mexican 5% Cuban 2%
Common ancestry
Slovak 2% Italian 1% Serbian 1%
Foreign-born
9% · Canada, Vietnam
Languages at home
87% English-only · Spanish 9% Other Indo-European 1% Vietnamese 1%

Political lean MEDSL · Escambia

2024 margin
R (+19.5) · D 39.7% · R 59.2% · Other 1.1%
2008→2024 swing
-0.2pp no change · 2008: -19.3pp · 2024: -19.5pp
All cycles
2024: R+19.5 2020: R+15.1 2016: R+20.6 2012: R+20.6 2008: R+19.3

Not yet ingested

Civics

Price history

-17.7% since first listed
2 events — show timeline
  • 2025-04-14 Price Changed $69,900 Zillow
  • 2025-04-11 Listed $84,900 Zillow

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…