4247 Lost Bay DrOrange BeachAL36561
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 4247 Lost Bay Dr, Orange Beach, AL, 36561 in Orange Beach deserves attention. This $378,572 property earns $3,360/mo in rent, a 10.65% gross yield, and nets $1,223/mo after the $1,702/mo payment. DSCR 1.97 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $104,592 compounds alongside $3,487/yr in yearly equity build, for a total cumulative return of $221,429.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.2% |
| Monthly Cash Flow | $1,223 | $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 | $3,360 |
| Total Monthly Debt Service | $1,986 |
| DSCR Ratio | 1.69x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36561, Orange Beach, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,068 (100%) |
| Owner Occupied HU | 3,266 (20.3%) |
| Renter Occupied HU | 916 ( 5.7%) |
| Vacant Housing Units | 11,886 (74.0%) |
| Median Home Value | $532,092 |
| Average Home Value | $613,951 |
Housing Distribution
Address Breakdown
Residential
12,184
Single Family
5,063
Multi-Family
7,121
Businesses
766
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36561, Orange Beach, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,068 (100%) |
| Owner Occupied HU | 3,266 (20.3%) |
| Renter Occupied HU | 916 ( 5.7%) |
| Vacant Housing Units | 11,886 (74.0%) |
| Median Home Value | $532,092 |
| Average Home Value | $613,951 |
Housing Distribution
Address Breakdown
Residential
12,184
Single Family
5,063
Multi-Family
7,121
Businesses
766
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nathan Bennett • DHI Realty of Alabama, LLC
Mls Name: Baldwin Realtors
Mls Provider:
Mls ID: #390177
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.