32 Crossing Ct WValleyAL36854
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Valley rentals match the income profile of 32 Crossing Ct W, Valley, AL, 36854. Listed at $213,400, gross rent is $2,498/mo and net cash flow is $1,294/mo, a 14.05% yield well above national averages. DSCR 2.60 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $58,958 by year five with $1,965/yr in annual principal reduction, projecting $163,627 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.1% | 7.5% |
| Monthly Cash Flow | $1,294 | $300 |
City averages based on Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,498 |
| Total Monthly Debt Service | $1,120 |
| DSCR Ratio | 2.23x |
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.
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36854, Valley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,708 (100%) |
| Owner Occupied HU | 4,470 (58.0%) |
| Renter Occupied HU | 2,275 (29.5%) |
| Vacant Housing Units | 963 (12.5%) |
| Median Home Value | $173,164 |
| Average Home Value | $216,190 |
Housing Distribution
Address Breakdown
Residential
7,192
Single Family
6,150
Multi-Family
1,042
Businesses
393
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
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36854, Valley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,708 (100%) |
| Owner Occupied HU | 4,470 (58.0%) |
| Renter Occupied HU | 2,275 (29.5%) |
| Vacant Housing Units | 963 (12.5%) |
| Median Home Value | $173,164 |
| Average Home Value | $216,190 |
Housing Distribution
Address Breakdown
Residential
7,192
Single Family
6,150
Multi-Family
1,042
Businesses
393
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices