107 McIntosh Bluff RdFairhopeAL36532
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSolid fundamentals define the investment case at 107 McIntosh Bluff Rd, Fairhope, AL, 36532 in Fairhope: $3,664/mo in rent, $231/mo in net income, 7.42% gross yield, 1.38 DSCR, all at $592,500. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $163,697 in appreciation and $5,457/yr in principal paydown projects total cumulative return of $238,578.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.0% |
| Monthly Cash Flow | $231 | $300 |
City averages based on Fairhope market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,664 |
| Total Monthly Debt Service | $3,197 |
| DSCR Ratio | 1.15x |
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 1994
0.48 Acres lot
$N/A/sqft
$696 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36532, Fairhope, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,908 (100%) |
| Owner Occupied HU | 13,032 (68.9%) |
| Renter Occupied HU | 3,563 (18.8%) |
| Vacant Housing Units | 2,313 (12.2%) |
| Median Home Value | $443,110 |
| Average Home Value | $519,568 |
Housing Distribution
Address Breakdown
Residential
16,904
Single Family
15,732
Multi-Family
1,172
Businesses
1,124
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 1994
0.48 Acres lot
$N/A/sqft
$696 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36532, Fairhope, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,908 (100%) |
| Owner Occupied HU | 13,032 (68.9%) |
| Renter Occupied HU | 3,563 (18.8%) |
| Vacant Housing Units | 2,313 (12.2%) |
| Median Home Value | $443,110 |
| Average Home Value | $519,568 |
Housing Distribution
Address Breakdown
Residential
16,904
Single Family
15,732
Multi-Family
1,172
Businesses
1,124
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer Doyle • Bellator Real Estate, LLC Beck
Mls Name: Baldwin Realtors
Mls Provider:
Mls ID: #365897
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.