3716 Pepper Ridge DrMobileAL36693
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 3716 Pepper Ridge Dr, Mobile, AL, 36693 in Mobile. Priced at $199,900, it generates $1,996/mo in gross rent and $861/mo in net monthly cash flow, a 11.98% yield that comfortably supports the 2.22 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $10,335. Five-year appreciation: $55,229. Equity from principal paydown: $1,841/yr. Total projected cumulative return: $130,838.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 6.8% |
| Monthly Cash Flow | $861 | $450 |
City averages based on Mobile market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,996 |
| Total Monthly Debt Service | $1,055 |
| DSCR Ratio | 1.89x |
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 1991
1 Acres lot
$N/A/sqft
$72 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36693, Mobile, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,986 (100%) |
| Owner Occupied HU | 5,549 (61.8%) |
| Renter Occupied HU | 2,629 (29.3%) |
| Vacant Housing Units | 808 ( 9.0%) |
| Median Home Value | $234,614 |
| Average Home Value | $284,297 |
Housing Distribution
Address Breakdown
Residential
8,474
Single Family
6,581
Multi-Family
1,893
Businesses
653
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 1991
1 Acres lot
$N/A/sqft
$72 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36693, Mobile, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,986 (100%) |
| Owner Occupied HU | 5,549 (61.8%) |
| Renter Occupied HU | 2,629 (29.3%) |
| Vacant Housing Units | 808 ( 9.0%) |
| Median Home Value | $234,614 |
| Average Home Value | $284,297 |
Housing Distribution
Address Breakdown
Residential
8,474
Single Family
6,581
Multi-Family
1,893
Businesses
653
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sweet Willow Group Team • Keller Williams AGC Realty-Da
Mls Name: Baldwin Realtors
Mls Provider:
Mls ID: #372841
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.