1303 Chaumont AveDauphin IslandAL36528
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 1303 Chaumont Ave, Dauphin Island, AL, 36528 in Dauphin Island fits: $625,000, 4.95% gross yield, and a projected 5% annual appreciation rate adding $172,676 in value within five years. Rental yield 4.95%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.92) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,756/yr in principal paydown and $172,676 in appreciation project a total return of $174,442.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 8.0% |
| Monthly Cash Flow | $(950) | $1,200 |
City averages based on Dauphin Island market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,578 |
| Total Monthly Debt Service | $3,279 |
| DSCR Ratio | 0.79x |
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 2007
7,614 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36528, Dauphin Island, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,047 (100%) |
| Owner Occupied HU | 728 (35.6%) |
| Renter Occupied HU | 119 ( 5.8%) |
| Vacant Housing Units | 1,200 (58.6%) |
| Median Home Value | $377,397 |
| Average Home Value | $415,721 |
Housing Distribution
Address Breakdown
Residential
1,205
Single Family
1,113
Multi-Family
92
Businesses
99
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 2007
7,614 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36528, Dauphin Island, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,047 (100%) |
| Owner Occupied HU | 728 (35.6%) |
| Renter Occupied HU | 119 ( 5.8%) |
| Vacant Housing Units | 1,200 (58.6%) |
| Median Home Value | $377,397 |
| Average Home Value | $415,721 |
Housing Distribution
Address Breakdown
Residential
1,205
Single Family
1,113
Multi-Family
92
Businesses
99
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: GCMLS
Mls ID: #7689347