266 Copeland RdGradyAL36036
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 266 Copeland Rd, Grady, AL, 36036 in Grady at $165,000 earns $1,034/mo in rent and nets $103/mo after the $742/mo payment, a 7.52% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $45,586 over five years. Ziffy Mortgage underwrites this on a 1.39 DSCR without U.S. credit history. With $1,520/yr in principal paydown, total projected return reaches $68,822.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.0% |
| Monthly Cash Flow | $103 | $400 |
City averages based on Grady market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,034 |
| Total Monthly Debt Service | $866 |
| DSCR Ratio | 1.19x |
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.
Manufactured
Built in 2019
9.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36036, Grady, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 897 (100%) |
| Owner Occupied HU | 688 (76.7%) |
| Renter Occupied HU | 128 (14.3%) |
| Vacant Housing Units | 81 ( 9.0%) |
| Median Home Value | $228,448 |
| Average Home Value | $268,110 |
Housing Distribution
Address Breakdown
Residential
987
Single Family
987
Multi-Family
0
Businesses
27
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
Manufactured
Built in 2019
9.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36036, Grady, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 897 (100%) |
| Owner Occupied HU | 688 (76.7%) |
| Renter Occupied HU | 128 (14.3%) |
| Vacant Housing Units | 81 ( 9.0%) |
| Median Home Value | $228,448 |
| Average Home Value | $268,110 |
Housing Distribution
Address Breakdown
Residential
987
Single Family
987
Multi-Family
0
Businesses
27
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices