13550 Gallant RdGallantAL35972
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.84% yield at 13550 Gallant Rd, Gallant, AL, 35972 in Gallant is solid, but the $944/mo payment compresses net cash flow to $186/mo at $210,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $58,019 by year five, and $1,934/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.45) without U.S. income documentation. Total projected return: $91,183.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 8.5% |
| Monthly Cash Flow | $186 | $1,200 |
City averages based on Gallant market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,372 |
| Total Monthly Debt Service | $1,102 |
| DSCR Ratio | 1.25x |
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 2001
2.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35972, Gallant, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 415 (100%) |
| Owner Occupied HU | 292 (70.4%) |
| Renter Occupied HU | 61 (14.7%) |
| Vacant Housing Units | 62 (14.9%) |
| Median Home Value | $214,674 |
| Average Home Value | $244,726 |
Housing Distribution
Address Breakdown
Residential
535
Single Family
535
Multi-Family
0
Businesses
19
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 2001
2.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35972, Gallant, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 415 (100%) |
| Owner Occupied HU | 292 (70.4%) |
| Renter Occupied HU | 61 (14.7%) |
| Vacant Housing Units | 62 (14.9%) |
| Median Home Value | $214,674 |
| Average Home Value | $244,726 |
Housing Distribution
Address Breakdown
Residential
535
Single Family
535
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Terry Lynne Wright • Freedom Realty, LLC
Mls Name: GALMLS
Mls Provider:
Mls ID: #21401929
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.