1817 Cheaha DrOxfordAL36203
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 1817 Cheaha Dr, Oxford, AL, 36203 in Oxford, $185,000, 7.25% gross yield, $73/mo net income. Consider it a market-entry position, the $1,117/mo rent covers the $832/mo payment with a margin, and 5%/yr appreciation is projected to add $51,112 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.34) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $74,429.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $73 | $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 | $1,117 |
| Total Monthly Debt Service | $971 |
| DSCR Ratio | 1.15x |
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 1940
0.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36203, Oxford, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,285 (100%) |
| Owner Occupied HU | 5,430 (65.5%) |
| Renter Occupied HU | 2,146 (25.9%) |
| Vacant Housing Units | 709 ( 8.6%) |
| Median Home Value | $192,460 |
| Average Home Value | $243,739 |
Housing Distribution
Address Breakdown
Residential
8,023
Single Family
7,886
Multi-Family
137
Businesses
1,015
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 1940
0.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36203, Oxford, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,285 (100%) |
| Owner Occupied HU | 5,430 (65.5%) |
| Renter Occupied HU | 2,146 (25.9%) |
| Vacant Housing Units | 709 ( 8.6%) |
| Median Home Value | $192,460 |
| Average Home Value | $243,739 |
Housing Distribution
Address Breakdown
Residential
8,023
Single Family
7,886
Multi-Family
137
Businesses
1,015
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer Oakes • Magnolia Realty Co.
Mls Name: GALMLS
Mls Provider:
Mls ID: #21423027
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.