12580 Orchard Ln SGrand BayAL36541
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play12580 Orchard Ln S, Grand Bay, AL, 36541 in Grand Bay is priced for appreciation, not yield. Rental yield 4.7%. At $459,095 with a 4.7% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $126,839 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.87) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $119,771.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 7.0% |
| Monthly Cash Flow | $(831) | $350 |
City averages based on Grand Bay market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,800 |
| Total Monthly Debt Service | $2,448 |
| DSCR Ratio | 0.74x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2026
0.84 Acres lot
$N/A/sqft
$475 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36541, Grand Bay, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,201 (100%) |
| Owner Occupied HU | 4,665 (75.2%) |
| Renter Occupied HU | 983 (15.9%) |
| Vacant Housing Units | 553 ( 8.9%) |
| Median Home Value | $221,927 |
| Average Home Value | $237,174 |
Housing Distribution
Address Breakdown
Residential
5,529
Single Family
5,529
Multi-Family
0
Businesses
202
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 2026
0.84 Acres lot
$N/A/sqft
$475 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36541, Grand Bay, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,201 (100%) |
| Owner Occupied HU | 4,665 (75.2%) |
| Renter Occupied HU | 983 (15.9%) |
| Vacant Housing Units | 553 ( 8.9%) |
| Median Home Value | $221,927 |
| Average Home Value | $237,174 |
Housing Distribution
Address Breakdown
Residential
5,529
Single Family
5,529
Multi-Family
0
Businesses
202
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennie Ely • DHI Realty of Alabama LLC
Mls Name: GCMLS
Mls Provider:
Mls ID: #7726309
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.