427 Upper Ferry RdLeroyAL36548
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 427 Upper Ferry Rd, Leroy, AL, 36548 in Leroy delivers $1,278/mo in gross rent and $385/mo in net monthly income at a $158,200 entry. The 9.69% yield and 1.80 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $43,708 over five years and $1,457/yr in equity from loan paydown, total projected return is $84,457.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 8.0% |
| Monthly Cash Flow | $385 | $1,200 |
City averages based on Leroy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,278 |
| Total Monthly Debt Service | $830 |
| DSCR Ratio | 1.54x |
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 1966
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36548, Leroy, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 446 (100%) |
| Owner Occupied HU | 341 (76.5%) |
| Renter Occupied HU | 62 (13.9%) |
| Vacant Housing Units | 43 ( 9.6%) |
| Median Home Value | $213,176 |
| Average Home Value | $198,739 |
Housing Distribution
Address Breakdown
Residential
390
Single Family
390
Multi-Family
0
Businesses
33
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 1966
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36548, Leroy, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 446 (100%) |
| Owner Occupied HU | 341 (76.5%) |
| Renter Occupied HU | 62 (13.9%) |
| Vacant Housing Units | 43 ( 9.6%) |
| Median Home Value | $213,176 |
| Average Home Value | $198,739 |
Housing Distribution
Address Breakdown
Residential
390
Single Family
390
Multi-Family
0
Businesses
33
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lance Lawley • Roberts Brothers West
Mls Name: Baldwin Realtors
Mls Provider:
Mls ID: #379041
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.