10181 Bankhead HwyEldridgeAL35554
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 10181 Bankhead Hwy, Eldridge, AL, 35554 in Eldridge earns a 9.48% gross yield at $135,000. Rent of $1,067/mo nets $305/mo after the $607/mo mortgage. The 1.76 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $37,298 and $1,243/yr in equity accumulation project a total cumulative return of $70,502.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 8.0% |
| Monthly Cash Flow | $305 | $200 |
City averages based on Eldridge market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,067 |
| Total Monthly Debt Service | $708 |
| DSCR Ratio | 1.51x |
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 N/A
4.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35554, Eldridge, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 498 (100%) |
| Owner Occupied HU | 359 (72.1%) |
| Renter Occupied HU | 67 (13.5%) |
| Vacant Housing Units | 72 (14.5%) |
| Median Home Value | $131,731 |
| Average Home Value | $173,259 |
Housing Distribution
Address Breakdown
Residential
444
Single Family
444
Multi-Family
0
Businesses
27
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 N/A
4.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35554, Eldridge, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 498 (100%) |
| Owner Occupied HU | 359 (72.1%) |
| Renter Occupied HU | 67 (13.5%) |
| Vacant Housing Units | 72 (14.5%) |
| Median Home Value | $131,731 |
| Average Home Value | $173,259 |
Housing Distribution
Address Breakdown
Residential
444
Single Family
444
Multi-Family
0
Businesses
27
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices