2624 Highway 80 EGallionAL36742
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable, bankable, and well-priced, 2624 Highway 80 E, Gallion, AL, 36742 in Gallion delivers $3,587/mo in gross rent and $245/mo in net monthly income at a $592,000 entry. The 7.27% yield and 1.35 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $163,559 over five years and $5,452/yr in equity from loan paydown, total projected return is $238,857.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 7.0% |
| Monthly Cash Flow | $245 | $1,200 |
City averages based on Gallion market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,587 |
| Total Monthly Debt Service | $3,106 |
| DSCR Ratio | 1.15x |
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 2007
81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36742, Gallion, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,166 (100%) |
| Owner Occupied HU | 844 (72.4%) |
| Renter Occupied HU | 152 (13.0%) |
| Vacant Housing Units | 170 (14.6%) |
| Median Home Value | $114,423 |
| Average Home Value | $171,682 |
Housing Distribution
Address Breakdown
Residential
1,040
Single Family
1,040
Multi-Family
0
Businesses
42
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 2007
81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36742, Gallion, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,166 (100%) |
| Owner Occupied HU | 844 (72.4%) |
| Renter Occupied HU | 152 (13.0%) |
| Vacant Housing Units | 170 (14.6%) |
| Median Home Value | $114,423 |
| Average Home Value | $171,682 |
Housing Distribution
Address Breakdown
Residential
1,040
Single Family
1,040
Multi-Family
0
Businesses
42
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices