20057 Clover Field LnFoleyAL36535
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Foley rental at 20057 Clover Field Ln, Foley, AL, 36535 sits in the solid-income band: 8.59% gross yield, $1,797/mo rent, $336/mo net after the $1,129/mo debt service, DSCR 1.59. Entry price of $250,990 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $69,344 and $2,312/yr in principal reduction bring total cumulative return to $119,031.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 5.8% |
| Monthly Cash Flow | $336 | $385 |
City averages based on Foley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,797 |
| Total Monthly Debt Service | $1,317 |
| DSCR Ratio | 1.36x |
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 2025
10,010 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36535, Foley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,865 (100%) |
| Owner Occupied HU | 12,586 (60.3%) |
| Renter Occupied HU | 5,135 (24.6%) |
| Vacant Housing Units | 3,144 (15.1%) |
| Median Home Value | $299,550 |
| Average Home Value | $322,808 |
Housing Distribution
Address Breakdown
Residential
18,404
Single Family
17,522
Multi-Family
882
Businesses
1,276
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 2025
10,010 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36535, Foley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,865 (100%) |
| Owner Occupied HU | 12,586 (60.3%) |
| Renter Occupied HU | 5,135 (24.6%) |
| Vacant Housing Units | 3,144 (15.1%) |
| Median Home Value | $299,550 |
| Average Home Value | $322,808 |
Housing Distribution
Address Breakdown
Residential
18,404
Single Family
17,522
Multi-Family
882
Businesses
1,276
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices