16096 W Indigo LoopSummerdaleAL36580
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 16096 W Indigo Loop, Summerdale, AL, 36580 in Summerdale speaks for itself: 11.53% gross on a $213,000 price, generating $2,046/mo in rent and $844/mo in net income after the $958/mo debt service. DSCR 2.14, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,125 stacks alongside $58,848 in projected five-year appreciation and $1,962/yr in principal reduction. Projected total cumulative return: $134,588.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 7.2% |
| Monthly Cash Flow | $844 | $1,200 |
City averages based on Summerdale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,046 |
| Total Monthly Debt Service | $1,118 |
| DSCR Ratio | 1.83x |
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 2001
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36580, Summerdale, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,090 (100%) |
| Owner Occupied HU | 2,223 (71.9%) |
| Renter Occupied HU | 548 (17.7%) |
| Vacant Housing Units | 319 (10.3%) |
| Median Home Value | $342,723 |
| Average Home Value | $409,308 |
Housing Distribution
Address Breakdown
Residential
2,647
Single Family
2,647
Multi-Family
0
Businesses
221
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 2001
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36580, Summerdale, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,090 (100%) |
| Owner Occupied HU | 2,223 (71.9%) |
| Renter Occupied HU | 548 (17.7%) |
| Vacant Housing Units | 319 (10.3%) |
| Median Home Value | $342,723 |
| Average Home Value | $409,308 |
Housing Distribution
Address Breakdown
Residential
2,647
Single Family
2,647
Multi-Family
0
Businesses
221
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Connie Glassford • Alabama Gulf Coast Properties
Mls Name: Baldwin Realtors
Mls Provider:
Mls ID: #379540
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.