18327 Section StFairhopeAL36532
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 18327 Section St, Fairhope, AL, 36532 in Fairhope is capital appreciation. Rental yield 2.51%. The 2.51% gross yield at $1,545,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $426,855 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.47) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $203,006.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.5% | 6.0% |
| Monthly Cash Flow | $(5,923) | $300 |
City averages based on Fairhope market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,238 |
| Total Monthly Debt Service | $8,546 |
| DSCR Ratio | 0.38x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2016
2.40 Acres lot
$N/A/sqft
$440 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36532, Fairhope, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,908 (100%) |
| Owner Occupied HU | 13,032 (68.9%) |
| Renter Occupied HU | 3,563 (18.8%) |
| Vacant Housing Units | 2,313 (12.2%) |
| Median Home Value | $443,110 |
| Average Home Value | $519,568 |
Housing Distribution
Address Breakdown
Residential
16,904
Single Family
15,732
Multi-Family
1,172
Businesses
1,124
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 2016
2.40 Acres lot
$N/A/sqft
$440 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36532, Fairhope, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,908 (100%) |
| Owner Occupied HU | 13,032 (68.9%) |
| Renter Occupied HU | 3,563 (18.8%) |
| Vacant Housing Units | 2,313 (12.2%) |
| Median Home Value | $443,110 |
| Average Home Value | $519,568 |
Housing Distribution
Address Breakdown
Residential
16,904
Single Family
15,732
Multi-Family
1,172
Businesses
1,124
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices