414 Sutton LnFoleyAL36535
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 414 Sutton Ln, Foley, AL, 36535 in Foley: $2,700/mo in rent, $642/mo in net income, 9.03% gross yield, 1.67 DSCR, all at $358,788. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $99,127 in appreciation and $3,304/yr in principal paydown projects total cumulative return of $176,665.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 5.8% |
| Monthly Cash Flow | $642 | $385 |
City averages based on Foley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,700 |
| Total Monthly Debt Service | $1,916 |
| DSCR Ratio | 1.41x |
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 2026
6,098 sqft lot
$N/A/sqft
$400 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36535, Foley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,865 (100%) |
| Owner Occupied HU | 12,586 (60.3%) |
| Renter Occupied HU | 5,135 (24.6%) |
| Vacant Housing Units | 3,144 (15.1%) |
| Median Home Value | $299,550 |
| Average Home Value | $322,808 |
Housing Distribution
Address Breakdown
Residential
18,404
Single Family
17,522
Multi-Family
882
Businesses
1,276
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 2026
6,098 sqft lot
$N/A/sqft
$400 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36535, Foley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,865 (100%) |
| Owner Occupied HU | 12,586 (60.3%) |
| Renter Occupied HU | 5,135 (24.6%) |
| Vacant Housing Units | 3,144 (15.1%) |
| Median Home Value | $299,550 |
| Average Home Value | $322,808 |
Housing Distribution
Address Breakdown
Residential
18,404
Single Family
17,522
Multi-Family
882
Businesses
1,276
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mamie Henry • DSLD Home Gulf Coast LLC Baldw
Mls Name: Baldwin Realtors
Mls Provider:
Mls ID: #392774
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.