1228 Shadow Creek LoopCamdenAL36726
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 1228 Shadow Creek Loop, Camden, AL, 36726 in Camden. At $389,000 it earns $2,501/mo in rent and distributes $272/mo to the owner after the $1,749/mo payment, a consistent 7.71% yield. DSCR 1.43 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $107,474 in value; $3,583/yr in principal paydown compounds ownership stake. Total projected return: $166,281.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.2% |
| Monthly Cash Flow | $272 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,501 |
| Total Monthly Debt Service | $2,041 |
| DSCR Ratio | 1.23x |
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 2020
0.87 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36726, Camden, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,390 (100%) |
| Owner Occupied HU | 1,435 (60.0%) |
| Renter Occupied HU | 533 (22.3%) |
| Vacant Housing Units | 422 (17.7%) |
| Median Home Value | $116,109 |
| Average Home Value | $167,401 |
Housing Distribution
Address Breakdown
Residential
2,189
Single Family
2,189
Multi-Family
0
Businesses
271
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 2020
0.87 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36726, Camden, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,390 (100%) |
| Owner Occupied HU | 1,435 (60.0%) |
| Renter Occupied HU | 533 (22.3%) |
| Vacant Housing Units | 422 (17.7%) |
| Median Home Value | $116,109 |
| Average Home Value | $167,401 |
Housing Distribution
Address Breakdown
Residential
2,189
Single Family
2,189
Multi-Family
0
Businesses
271
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices