45 Stevens Cove DrMoodyAL35004
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 45 Stevens Cove Dr, Moody, AL, 35004 in Moody speaks for itself: 10.36% gross on a $236,113 price, generating $2,039/mo in rent and $685/mo in net income after the $1,062/mo debt service. DSCR 1.92, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,223 stacks alongside $65,234 in projected five-year appreciation and $2,175/yr in principal reduction. Projected total cumulative return: $133,201.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.2% |
| Monthly Cash Flow | $685 | $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 | $2,039 |
| Total Monthly Debt Service | $1,260 |
| DSCR Ratio | 1.62x |
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 2025
6,098 sqft lot
$N/A/sqft
$250 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35004, Moody, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,250 (100%) |
| Owner Occupied HU | 3,906 (74.4%) |
| Renter Occupied HU | 1,142 (21.8%) |
| Vacant Housing Units | 202 ( 3.8%) |
| Median Home Value | $231,727 |
| Average Home Value | $257,922 |
Housing Distribution
Address Breakdown
Residential
4,945
Single Family
4,614
Multi-Family
331
Businesses
402
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
6,098 sqft lot
$N/A/sqft
$250 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35004, Moody, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,250 (100%) |
| Owner Occupied HU | 3,906 (74.4%) |
| Renter Occupied HU | 1,142 (21.8%) |
| Vacant Housing Units | 202 ( 3.8%) |
| Median Home Value | $231,727 |
| Average Home Value | $257,922 |
Housing Distribution
Address Breakdown
Residential
4,945
Single Family
4,614
Multi-Family
331
Businesses
402
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Scott Dudley • VC Realty LLC
Mls Name: GALMLS
Mls Provider:
Mls ID: #21414772
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.