2052 Mount Moriah RdDeltaAL36258
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 2052 Mount Moriah Rd, Delta, AL, 36258 in Delta offers a clean, manageable entry. Rental yield 6.48%. DSCR 1.20 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $125,708 in additional property value over five years, with $4,191/yr in principal equity building ownership stake. Total projected cumulative return: $164,230.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 7.0% |
| Monthly Cash Flow | $(112) | $400 |
City averages based on Delta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,456 |
| Total Monthly Debt Service | $2,387 |
| DSCR Ratio | 1.03x |
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 1960
14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36258, Delta, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,031 (100%) |
| Owner Occupied HU | 706 (68.5%) |
| Renter Occupied HU | 128 (12.4%) |
| Vacant Housing Units | 197 (19.1%) |
| Median Home Value | $174,342 |
| Average Home Value | $189,263 |
Housing Distribution
Address Breakdown
Residential
824
Single Family
824
Multi-Family
0
Businesses
43
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 1960
14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36258, Delta, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,031 (100%) |
| Owner Occupied HU | 706 (68.5%) |
| Renter Occupied HU | 128 (12.4%) |
| Vacant Housing Units | 197 (19.1%) |
| Median Home Value | $174,342 |
| Average Home Value | $189,263 |
Housing Distribution
Address Breakdown
Residential
824
Single Family
824
Multi-Family
0
Businesses
43
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ashley Bragg • Heritage Oaks Realty
Mls Name: GALMLS
Mls Provider:
Mls ID: #21420642
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.