2210 Mallard Ln SEDecaturAL35601
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 2210 Mallard Ln SE, Decatur, AL, 35601 in Decatur is a conservative rental investment at $525,000. Rental yield 6.04%. A 1.12 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $145,048; $4,835/yr in principal paydown supplements. Total projected return: $173,500.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.2% |
| Monthly Cash Flow | $(382) | $450 |
City averages based on Decatur market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,641 |
| Total Monthly Debt Service | $2,814 |
| DSCR Ratio | 0.94x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 N/A
0.33 Acres lot
$N/A/sqft
$60 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35601, Decatur, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,105 (100%) |
| Owner Occupied HU | 7,958 (52.7%) |
| Renter Occupied HU | 6,057 (40.1%) |
| Vacant Housing Units | 1,090 ( 7.2%) |
| Median Home Value | $173,990 |
| Average Home Value | $223,578 |
Housing Distribution
Address Breakdown
Residential
13,960
Single Family
12,999
Multi-Family
961
Businesses
2,056
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 N/A
0.33 Acres lot
$N/A/sqft
$60 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35601, Decatur, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,105 (100%) |
| Owner Occupied HU | 7,958 (52.7%) |
| Renter Occupied HU | 6,057 (40.1%) |
| Vacant Housing Units | 1,090 ( 7.2%) |
| Median Home Value | $173,990 |
| Average Home Value | $223,578 |
Housing Distribution
Address Breakdown
Residential
13,960
Single Family
12,999
Multi-Family
961
Businesses
2,056
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Meghann Delashaw • InTown Partners
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21873025
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