11284 Cloister DrDaphneAL36526
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow11284 Cloister Dr, Daphne, AL, 36526 in Daphne is a top-tier cash-flow asset. At $288,080 it produces $2,400/mo in rent and $774/mo in net monthly income, a 10% gross rental yield. The DSCR of 1.85 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $9,287. Five-year appreciation adds $79,591, driving a total cumulative return of $158,378.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.8% |
| Monthly Cash Flow | $774 | $1,850 |
City averages based on Daphne market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $1,511 |
| DSCR Ratio | 1.59x |
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 2025
7,405 sqft lot
$N/A/sqft
No 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 2025
7,405 sqft lot
$N/A/sqft
No 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