173 Shallow Brook DrLocust ForkAL35097
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 173 Shallow Brook Dr, Locust Fork, AL, 35097 in Locust Fork is straightforward: $242,900 in, $1,669/mo in rent, $298/mo out after debt service. The 8.25% gross yield and 1.53 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $67,109 by year five. With $2,237/yr in principal equity, the total cumulative return is projected at $110,710.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $298 | $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 | $1,669 |
| Total Monthly Debt Service | $1,274 |
| DSCR Ratio | 1.31x |
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 1999
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35097, Locust Fork, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 685 (100%) |
| Owner Occupied HU | 550 (80.3%) |
| Renter Occupied HU | 91 (13.3%) |
| Vacant Housing Units | 44 ( 6.4%) |
| Median Home Value | $179,245 |
| Average Home Value | $196,936 |
Housing Distribution
Address Breakdown
Residential
676
Single Family
676
Multi-Family
0
Businesses
57
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 1999
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35097, Locust Fork, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 685 (100%) |
| Owner Occupied HU | 550 (80.3%) |
| Renter Occupied HU | 91 (13.3%) |
| Vacant Housing Units | 44 ( 6.4%) |
| Median Home Value | $179,245 |
| Average Home Value | $196,936 |
Housing Distribution
Address Breakdown
Residential
676
Single Family
676
Multi-Family
0
Businesses
57
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: GALMLS
Mls ID: #21444879