207 Gray StLindenAL36748
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 207 Gray St, Linden, AL, 36748 in Linden earns a 9.45% gross yield at $137,000. Rent of $1,079/mo nets $306/mo after the $616/mo mortgage. The 1.75 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $37,851 and $1,262/yr in equity accumulation project a total cumulative return of $71,339.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $306 | $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 | $1,079 |
| Total Monthly Debt Service | $719 |
| DSCR Ratio | 1.50x |
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 1958
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36748, Linden, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,549 (100%) |
| Owner Occupied HU | 909 (58.7%) |
| Renter Occupied HU | 377 (24.3%) |
| Vacant Housing Units | 263 (17.0%) |
| Median Home Value | $130,068 |
| Average Home Value | $157,085 |
Housing Distribution
Address Breakdown
Residential
1,523
Single Family
1,523
Multi-Family
0
Businesses
190
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 1958
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36748, Linden, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,549 (100%) |
| Owner Occupied HU | 909 (58.7%) |
| Renter Occupied HU | 377 (24.3%) |
| Vacant Housing Units | 263 (17.0%) |
| Median Home Value | $130,068 |
| Average Home Value | $157,085 |
Housing Distribution
Address Breakdown
Residential
1,523
Single Family
1,523
Multi-Family
0
Businesses
190
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Barbara Myers • Keller Williams Tuscaloosa
Mls Name: WAMLS
Mls Provider:
Mls ID: #165742
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.