1248 County Road 108CloptonAL36317
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 1248 County Road 108, Clopton, AL, 36317 in Clopton: $920/mo in rent, $232/mo in net income, 9.06% gross yield, 1.68 DSCR, all at $121,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $33,679 in appreciation and $1,123/yr in principal paydown projects total cumulative return of $60,897.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $232 | $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 | $920 |
| Total Monthly Debt Service | $640 |
| DSCR Ratio | 1.44x |
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 1945
1.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36317, Clopton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 294 (100%) |
| Owner Occupied HU | 194 (66.0%) |
| Renter Occupied HU | 33 (11.2%) |
| Vacant Housing Units | 67 (22.8%) |
| Median Home Value | $107,778 |
| Average Home Value | $159,188 |
Housing Distribution
Address Breakdown
Residential
224
Single Family
224
Multi-Family
0
Businesses
6
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 1945
1.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36317, Clopton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 294 (100%) |
| Owner Occupied HU | 194 (66.0%) |
| Renter Occupied HU | 33 (11.2%) |
| Vacant Housing Units | 67 (22.8%) |
| Median Home Value | $107,778 |
| Average Home Value | $159,188 |
Housing Distribution
Address Breakdown
Residential
224
Single Family
224
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices