12911 Bear Creek RdDuncanvilleAL35456
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 12911 Bear Creek Rd, Duncanville, AL, 35456 in Duncanville at $190,000 earns $1,175/mo in rent and nets $102/mo after the $854/mo payment, a 7.42% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $52,494 over five years. Ziffy Mortgage underwrites this on a 1.38 DSCR without U.S. credit history. With $1,750/yr in principal paydown, total projected return reaches $78,243.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 0.0% |
| Monthly Cash Flow | $102 | $0 |
City averages based on Duncanville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,175 |
| Total Monthly Debt Service | $997 |
| DSCR Ratio | 1.18x |
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.
Manufactured
Built in 2025
1.05 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35456, Duncanville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,981 (100%) |
| Owner Occupied HU | 1,379 (69.6%) |
| Renter Occupied HU | 363 (18.3%) |
| Vacant Housing Units | 239 (12.1%) |
| Median Home Value | $278,077 |
| Average Home Value | $297,346 |
Housing Distribution
Address Breakdown
Residential
1,799
Single Family
1,799
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
Manufactured
Built in 2025
1.05 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35456, Duncanville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,981 (100%) |
| Owner Occupied HU | 1,379 (69.6%) |
| Renter Occupied HU | 363 (18.3%) |
| Vacant Housing Units | 239 (12.1%) |
| Median Home Value | $278,077 |
| Average Home Value | $297,346 |
Housing Distribution
Address Breakdown
Residential
1,799
Single Family
1,799
Multi-Family
0
Businesses
73
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: WAMLS
Mls ID: #174509