256 N Pine StMobileAL36603
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow256 N Pine St, Mobile, AL, 36603 in Mobile earns its strong cash-flow label: 23.99% yield, $2,177/mo rent, $1,556/mo net income, DSCR 4.44. The $108,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $30,087 by year five. Combined with $1,003/yr in principal paydown, total projected return reaches $141,228.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 24% | 6.8% |
| Monthly Cash Flow | $1,556 | $450 |
City averages based on Mobile market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,177 |
| Total Monthly Debt Service | $577 |
| DSCR Ratio | 3.77x |
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 N/A
5,084 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36603, Mobile, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,885 (100%) |
| Owner Occupied HU | 1,078 (27.7%) |
| Renter Occupied HU | 1,953 (50.3%) |
| Vacant Housing Units | 854 (22.0%) |
| Median Home Value | $119,133 |
| Average Home Value | $197,221 |
Housing Distribution
Address Breakdown
Residential
3,152
Single Family
2,556
Multi-Family
596
Businesses
327
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
5,084 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36603, Mobile, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,885 (100%) |
| Owner Occupied HU | 1,078 (27.7%) |
| Renter Occupied HU | 1,953 (50.3%) |
| Vacant Housing Units | 854 (22.0%) |
| Median Home Value | $119,133 |
| Average Home Value | $197,221 |
Housing Distribution
Address Breakdown
Residential
3,152
Single Family
2,556
Multi-Family
596
Businesses
327
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices