4626 Gold DrMobileAL36619
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4626 Gold Dr, Mobile, AL, 36619 in Mobile. Priced at $210,000, it generates $1,886/mo in gross rent and $686/mo in net monthly cash flow, a 10.78% yield that comfortably supports the 2.00 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,228. Five-year appreciation: $58,019. Equity from principal paydown: $1,934/yr. Total projected cumulative return: $123,355.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.8% |
| Monthly Cash Flow | $686 | $450 |
City averages based on Mobile market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,886 |
| Total Monthly Debt Service | $1,117 |
| 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.
Single Family
Built in 1977
1,655 sqft lot
$N/A/sqft
No 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 1977
1,655 sqft lot
$N/A/sqft
No 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: Lauren Jones • Wellhouse Real Estate West, LL
Mls Name: Baldwin Realtors
Mls Provider:
Mls ID: #366210
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.