12076 Pecan Grove StMagnolia SpringsAL36555
INVESTMENT ANALYSIS
Investment Verdict
Solid Income12076 Pecan Grove St, Magnolia Springs, AL, 36555 in Magnolia Springs is a solid income-producing rental, 9.59% gross yield, $1,091/mo rent, $291/mo net cash flow on a $145,000 buy. DSCR 1.67 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $40,061 and $1,335/yr in principal reduction project a total cumulative return of $69,226.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $291 | $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 | $1,091 |
| Total Monthly Debt Service | $811 |
| DSCR Ratio | 1.35x |
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 N/A
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36555, Magnolia Springs, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 351 (100%) |
| Owner Occupied HU | 210 (59.8%) |
| Renter Occupied HU | 52 (14.8%) |
| Vacant Housing Units | 89 (25.4%) |
| Median Home Value | $360,241 |
| Average Home Value | $461,738 |
Housing Distribution
Address Breakdown
Residential
416
Single Family
416
Multi-Family
0
Businesses
73
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 N/A
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36555, Magnolia Springs, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 351 (100%) |
| Owner Occupied HU | 210 (59.8%) |
| Renter Occupied HU | 52 (14.8%) |
| Vacant Housing Units | 89 (25.4%) |
| Median Home Value | $360,241 |
| Average Home Value | $461,738 |
Housing Distribution
Address Breakdown
Residential
416
Single Family
416
Multi-Family
0
Businesses
73
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jena Reneman • EXIT REALTY GULF SHORES
Mls Name: Exit Realty
Mls Provider:
Mls ID: #377185