25700 Salvation RdSummerdaleAL36580
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 25700 Salvation Rd, Summerdale, AL, 36580 in Summerdale. Rental yield 2.34%. At $1,075,000 with 2.34% gross yield, current distributions are modest, but the 5% appreciation rate projects $297,003 in new equity by year five, complemented by $9,901/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.43) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $149,746.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.3% | 7.2% |
| Monthly Cash Flow | $(3,968) | $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 | $5,640 |
| DSCR Ratio | 0.37x |
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.
Multi Family
Built in 2007
20.69 Acres lot
$N/A/sqft
No 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
Multi Family
Built in 2007
20.69 Acres lot
$N/A/sqft
No 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: Patti Stewart • Realty Executives Gulf Coast
Mls Name: Baldwin Realtors
Mls ID: #384269