21700 Sutherland CirFairhopeAL36532
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow21700 Sutherland Cir, Fairhope, AL, 36532 in Fairhope is a top-tier cash-flow asset. At $295,990 it produces $2,744/mo in rent and $1,015/mo in net monthly income, a 11.13% gross rental yield. The DSCR of 2.06 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $12,184. Five-year appreciation adds $81,777, driving a total cumulative return of $177,103.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.0% |
| Monthly Cash Flow | $1,015 | $300 |
City averages based on Fairhope market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,744 |
| Total Monthly Debt Service | $1,611 |
| DSCR Ratio | 1.70x |
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 2023
0.28 Acres lot
$N/A/sqft
$700 annually 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 2023
0.28 Acres lot
$N/A/sqft
$700 annually 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