35 Overland Pass #XW8HP0ArabAL35016
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 35 Overland Pass #XW8HP0, Arab, AL, 35016 in Arab. At $281,600 it earns $1,866/mo in rent and distributes $277/mo to the owner after the $1,266/mo payment, a consistent 7.95% yield. DSCR 1.47 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $77,801 in value; $2,594/yr in principal paydown compounds ownership stake. Total projected return: $123,922.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.2% |
| Monthly Cash Flow | $277 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,866 |
| Total Monthly Debt Service | $1,477 |
| DSCR Ratio | 1.26x |
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: 35016, Arab, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,914 (100%) |
| Owner Occupied HU | 5,520 (69.7%) |
| Renter Occupied HU | 1,893 (23.9%) |
| Vacant Housing Units | 501 ( 6.3%) |
| Median Home Value | $222,561 |
| Average Home Value | $269,948 |
Housing Distribution
Address Breakdown
Residential
7,656
Single Family
7,333
Multi-Family
323
Businesses
643
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: 35016, Arab, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,914 (100%) |
| Owner Occupied HU | 5,520 (69.7%) |
| Renter Occupied HU | 1,893 (23.9%) |
| Vacant Housing Units | 501 ( 6.3%) |
| Median Home Value | $222,561 |
| Average Home Value | $269,948 |
Housing Distribution
Address Breakdown
Residential
7,656
Single Family
7,333
Multi-Family
323
Businesses
643
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices