118 Academy DrAndalusiaAL36420
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 118 Academy Dr, Andalusia, AL, 36420 in Andalusia is a conservative rental investment at $295,000. The 6.9% yield from $1,696/mo in rent nets $30/mo after the $1,327/mo debt. A 1.28 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $81,503; $2,717/yr in principal paydown supplements. Total projected return: $113,118.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.2% |
| Monthly Cash Flow | $30 | $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 | $1,696 |
| Total Monthly Debt Service | $1,548 |
| DSCR Ratio | 1.10x |
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 1992
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36420, Andalusia, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,481 (100%) |
| Owner Occupied HU | 3,159 (57.6%) |
| Renter Occupied HU | 1,431 (26.1%) |
| Vacant Housing Units | 891 (16.3%) |
| Median Home Value | $197,120 |
| Average Home Value | $227,225 |
Housing Distribution
Address Breakdown
Residential
4,749
Single Family
4,679
Multi-Family
70
Businesses
842
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 1992
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36420, Andalusia, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,481 (100%) |
| Owner Occupied HU | 3,159 (57.6%) |
| Renter Occupied HU | 1,431 (26.1%) |
| Vacant Housing Units | 891 (16.3%) |
| Median Home Value | $197,120 |
| Average Home Value | $227,225 |
Housing Distribution
Address Breakdown
Residential
4,749
Single Family
4,679
Multi-Family
70
Businesses
842
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices