1107 Clara DrValleyAL36854
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 1107 Clara Dr, Valley, AL, 36854 in Valley earns a 8.66% gross yield at $280,000. Rent of $2,020/mo nets $439/mo after the $1,259/mo mortgage. The 1.60 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $77,359 and $2,579/yr in equity accumulation project a total cumulative return of $133,801.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 7.5% |
| Monthly Cash Flow | $439 | $300 |
City averages based on Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,020 |
| Total Monthly Debt Service | $1,469 |
| DSCR Ratio | 1.38x |
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 2026
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36854, Valley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,708 (100%) |
| Owner Occupied HU | 4,470 (58.0%) |
| Renter Occupied HU | 2,275 (29.5%) |
| Vacant Housing Units | 963 (12.5%) |
| Median Home Value | $173,164 |
| Average Home Value | $216,190 |
Housing Distribution
Address Breakdown
Residential
7,192
Single Family
6,150
Multi-Family
1,042
Businesses
393
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 2026
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36854, Valley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,708 (100%) |
| Owner Occupied HU | 4,470 (58.0%) |
| Renter Occupied HU | 2,275 (29.5%) |
| Vacant Housing Units | 963 (12.5%) |
| Median Home Value | $173,164 |
| Average Home Value | $216,190 |
Housing Distribution
Address Breakdown
Residential
7,192
Single Family
6,150
Multi-Family
1,042
Businesses
393
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices