389 Clubhouse Dr APT JJ5Gulf ShoresAL36542
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow389 Clubhouse Dr APT JJ5, Gulf Shores, AL, 36542 in Gulf Shores earns its strong cash-flow label: 12.13% yield, $2,143/mo rent, $722/mo net income, DSCR 2.25. The $212,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $58,572 by year five. Combined with $1,953/yr in principal paydown, total projected return reaches $127,299.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.1% | 6.2% |
| Monthly Cash Flow | $722 | $1,850 |
City averages based on Gulf Shores market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,143 |
| Total Monthly Debt Service | $1,337 |
| DSCR Ratio | 1.60x |
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.
Townhouse
Built in 1993
1,089 sqft lot
$N/A/sqft
$225 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36542, Gulf Shores, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,438 (100%) |
| Owner Occupied HU | 6,282 (30.7%) |
| Renter Occupied HU | 3,228 (15.8%) |
| Vacant Housing Units | 10,928 (53.5%) |
| Median Home Value | $407,892 |
| Average Home Value | $473,194 |
Housing Distribution
Address Breakdown
Residential
14,536
Single Family
9,700
Multi-Family
4,836
Businesses
523
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
Townhouse
Built in 1993
1,089 sqft lot
$N/A/sqft
$225 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36542, Gulf Shores, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,438 (100%) |
| Owner Occupied HU | 6,282 (30.7%) |
| Renter Occupied HU | 3,228 (15.8%) |
| Vacant Housing Units | 10,928 (53.5%) |
| Median Home Value | $407,892 |
| Average Home Value | $473,194 |
Housing Distribution
Address Breakdown
Residential
14,536
Single Family
9,700
Multi-Family
4,836
Businesses
523
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cheryl Ritchie • RE/MAX of Orange Beach
Mls Name: Baldwin Realtors
Mls Provider:
Mls ID: #365927
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.