174 Brasher Cut Off RdGallantAL35972
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 174 Brasher Cut Off Rd, Gallant, AL, 35972 in Gallant: $1,842/mo in rent, $657/mo net, 10.53% gross yield, all on a $209,900 acquisition. The 1.95 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $57,992 in value, and $1,933/yr in principal paydown steadily builds equity. Projected total cumulative return: $121,390.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 8.5% |
| Monthly Cash Flow | $657 | $1,200 |
City averages based on Gallant market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,842 |
| Total Monthly Debt Service | $1,101 |
| DSCR Ratio | 1.67x |
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 1993
1.80 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
Single Family
Built in 1993
1.80 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