4387 Valor Ridge Way WMobileAL36619
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 4387 Valor Ridge Way W, Mobile, AL, 36619 in Mobile is capital appreciation. Rental yield 3.67%. The 3.67% gross yield at $293,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $81,199 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.68) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $60,221.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 6.8% |
| Monthly Cash Flow | $(787) | $450 |
City averages based on Mobile market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $900 |
| Total Monthly Debt Service | $1,570 |
| DSCR Ratio | 0.57x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2025
N/A lot
$N/A/sqft
$340 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36619, Mobile, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,474 (100%) |
| Owner Occupied HU | 4,555 (70.4%) |
| Renter Occupied HU | 1,457 (22.5%) |
| Vacant Housing Units | 462 ( 7.1%) |
| Median Home Value | $234,569 |
| Average Home Value | $295,519 |
Housing Distribution
Address Breakdown
Residential
5,916
Single Family
5,501
Multi-Family
415
Businesses
677
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 2025
N/A lot
$N/A/sqft
$340 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36619, Mobile, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,474 (100%) |
| Owner Occupied HU | 4,555 (70.4%) |
| Renter Occupied HU | 1,457 (22.5%) |
| Vacant Housing Units | 462 ( 7.1%) |
| Median Home Value | $234,569 |
| Average Home Value | $295,519 |
Housing Distribution
Address Breakdown
Residential
5,916
Single Family
5,501
Multi-Family
415
Businesses
677
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Star Blackburn • DHI Realty of Alabama LLC
Mls Name: GCMLS
Mls Provider:
Mls ID: #7484438
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.