2534 Fosters RdDeltaAL36258
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 2534 Fosters Rd, Delta, AL, 36258 in Delta. Rental yield 4.95%. At $369,900 with 4.95% gross yield, current distributions are modest, but the 5% appreciation rate projects $102,197 in new equity by year five, complemented by $3,407/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.92) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $103,262.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 7.0% |
| Monthly Cash Flow | $(562) | $400 |
City averages based on Delta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,526 |
| Total Monthly Debt Service | $1,941 |
| DSCR Ratio | 0.79x |
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 1981
20 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 1981
20 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