10732 Huckaba RdRed LevelAL36474
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 10732 Huckaba Rd, Red Level, AL, 36474 in Red Level. Priced at $145,500, it generates $1,362/mo in gross rent and $541/mo in net monthly cash flow, a 11.23% yield that comfortably supports the 2.08 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,489. Five-year appreciation: $40,199. Equity from principal paydown: $1,340/yr. Total projected cumulative return: $89,646.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 6.2% |
| Monthly Cash Flow | $541 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,362 |
| Total Monthly Debt Service | $763 |
| DSCR Ratio | 1.78x |
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.
Manufactured
Built in 2008
3.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36474, Red Level, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,469 (100%) |
| Owner Occupied HU | 945 (64.3%) |
| Renter Occupied HU | 210 (14.3%) |
| Vacant Housing Units | 314 (21.4%) |
| Median Home Value | $150,248 |
| Average Home Value | $191,788 |
Housing Distribution
Address Breakdown
Residential
1,250
Single Family
1,250
Multi-Family
0
Businesses
34
Nearby investment properties with comparable rents
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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
Manufactured
Built in 2008
3.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36474, Red Level, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,469 (100%) |
| Owner Occupied HU | 945 (64.3%) |
| Renter Occupied HU | 210 (14.3%) |
| Vacant Housing Units | 314 (21.4%) |
| Median Home Value | $150,248 |
| Average Home Value | $191,788 |
Housing Distribution
Address Breakdown
Residential
1,250
Single Family
1,250
Multi-Family
0
Businesses
34
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices