21326 Roughleaf DrSummerdaleAL36580
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 21326 Roughleaf Dr, Summerdale, AL, 36580 in Summerdale delivers $2,100/mo in gross rent and $616/mo in net monthly income at a $258,000 entry. The 9.77% yield and 1.81 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $71,281 over five years and $2,376/yr in equity from loan paydown, total projected return is $137,004.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 7.2% |
| Monthly Cash Flow | $616 | $1,200 |
City averages based on Summerdale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,100 |
| Total Monthly Debt Service | $1,382 |
| DSCR Ratio | 1.52x |
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
6,891 sqft lot
$N/A/sqft
$335 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36580, Summerdale, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,090 (100%) |
| Owner Occupied HU | 2,223 (71.9%) |
| Renter Occupied HU | 548 (17.7%) |
| Vacant Housing Units | 319 (10.3%) |
| Median Home Value | $342,723 |
| Average Home Value | $409,308 |
Housing Distribution
Address Breakdown
Residential
2,647
Single Family
2,647
Multi-Family
0
Businesses
221
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
6,891 sqft lot
$N/A/sqft
$335 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36580, Summerdale, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,090 (100%) |
| Owner Occupied HU | 2,223 (71.9%) |
| Renter Occupied HU | 548 (17.7%) |
| Vacant Housing Units | 319 (10.3%) |
| Median Home Value | $342,723 |
| Average Home Value | $409,308 |
Housing Distribution
Address Breakdown
Residential
2,647
Single Family
2,647
Multi-Family
0
Businesses
221
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Shirley Hill • DHI Realty of Alabama, LLC
Mls Name: Baldwin Realtors
Mls Provider:
Mls ID: #380991
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.