16388 Opal CtLoxleyAL36551
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 16388 Opal Ct, Loxley, AL, 36551 in Loxley delivers $1,204/mo in gross rent and $296/mo in net monthly income at a $149,900 entry. The 9.14% yield and 1.79 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $41,415 over five years and $1,381/yr in equity from loan paydown, total projected return is $79,547.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $296 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,204 |
| Total Monthly Debt Service | $786 |
| DSCR Ratio | 1.53x |
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 2000
9,234 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36551, Loxley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,427 (100%) |
| Owner Occupied HU | 3,273 (73.9%) |
| Renter Occupied HU | 810 (18.3%) |
| Vacant Housing Units | 344 ( 7.8%) |
| Median Home Value | $286,735 |
| Average Home Value | $327,897 |
Housing Distribution
Address Breakdown
Residential
3,997
Single Family
3,917
Multi-Family
80
Businesses
260
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 2000
9,234 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36551, Loxley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,427 (100%) |
| Owner Occupied HU | 3,273 (73.9%) |
| Renter Occupied HU | 810 (18.3%) |
| Vacant Housing Units | 344 ( 7.8%) |
| Median Home Value | $286,735 |
| Average Home Value | $327,897 |
Housing Distribution
Address Breakdown
Residential
3,997
Single Family
3,917
Multi-Family
80
Businesses
260
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tracy Gardner • Inshore Realty LLC
Mls Name: Baldwin Realtors
Mls Provider:
Mls ID: #379880
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.