10431 Emmanuel StDaphneAL36526
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 10431 Emmanuel St, Daphne, AL, 36526 in Daphne offers a clean, manageable entry. At $499,500, the 6.87% yield from $2,860/mo in rent nets $5/mo monthly. DSCR 1.27 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $138,003 in additional property value over five years, with $4,600/yr in principal equity building ownership stake. Total projected cumulative return: $188,767.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.8% |
| Monthly Cash Flow | $5 | $1,850 |
City averages based on Daphne market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,860 |
| Total Monthly Debt Service | $2,656 |
| DSCR Ratio | 1.08x |
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 2006
7,405 sqft lot
$N/A/sqft
$420 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36526, Daphne, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,899 (100%) |
| Owner Occupied HU | 12,007 (67.1%) |
| Renter Occupied HU | 4,253 (23.8%) |
| Vacant Housing Units | 1,639 ( 9.2%) |
| Median Home Value | $350,867 |
| Average Home Value | $399,652 |
Housing Distribution
Address Breakdown
Residential
16,538
Single Family
14,571
Multi-Family
1,967
Businesses
1,632
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 2006
7,405 sqft lot
$N/A/sqft
$420 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36526, Daphne, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,899 (100%) |
| Owner Occupied HU | 12,007 (67.1%) |
| Renter Occupied HU | 4,253 (23.8%) |
| Vacant Housing Units | 1,639 ( 9.2%) |
| Median Home Value | $350,867 |
| Average Home Value | $399,652 |
Housing Distribution
Address Breakdown
Residential
16,538
Single Family
14,571
Multi-Family
1,967
Businesses
1,632
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Eric "Bart" Cox • Shark Realty
Mls Name: PAR
Mls Provider:
Mls ID: #655532
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