1090 Dock Lamb RdPanseyAL36370
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 1090 Dock Lamb Rd, Pansey, AL, 36370 in Pansey speaks for itself: 12.15% gross on a $160,000 price, generating $1,620/mo in rent and $717/mo in net income after the $719/mo debt service. DSCR 2.25, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,603 stacks alongside $44,205 in projected five-year appreciation and $1,474/yr in principal reduction. Projected total cumulative return: $106,444.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.2% | 6.2% |
| Monthly Cash Flow | $717 | $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 | $1,620 |
| Total Monthly Debt Service | $839 |
| DSCR Ratio | 1.93x |
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 2014
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36370, Pansey, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 457 (100%) |
| Owner Occupied HU | 303 (66.3%) |
| Renter Occupied HU | 84 (18.4%) |
| Vacant Housing Units | 70 (15.3%) |
| Median Home Value | $181,071 |
| Average Home Value | $217,112 |
Housing Distribution
Address Breakdown
Residential
423
Single Family
423
Multi-Family
0
Businesses
6
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
Manufactured
Built in 2014
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36370, Pansey, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 457 (100%) |
| Owner Occupied HU | 303 (66.3%) |
| Renter Occupied HU | 84 (18.4%) |
| Vacant Housing Units | 70 (15.3%) |
| Median Home Value | $181,071 |
| Average Home Value | $217,112 |
Housing Distribution
Address Breakdown
Residential
423
Single Family
423
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Whitney Sanders • Lan Darty Real Estate & Development
Mls Name: SAMLS
Mls ID: #200196
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.