471 Dogwood Hills LnGallionAL36742
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSolid fundamentals define the investment case at 471 Dogwood Hills Ln, Gallion, AL, 36742 in Gallion: $2,204/mo in rent, $257/mo in net income, 7.67% gross yield, 1.42 DSCR, all at $345,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $95,317 in appreciation and $3,177/yr in principal paydown projects total cumulative return of $146,577.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 7.0% |
| Monthly Cash Flow | $257 | $1,200 |
City averages based on Gallion market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,204 |
| Total Monthly Debt Service | $1,810 |
| DSCR Ratio | 1.22x |
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 2015
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36742, Gallion, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,166 (100%) |
| Owner Occupied HU | 844 (72.4%) |
| Renter Occupied HU | 152 (13.0%) |
| Vacant Housing Units | 170 (14.6%) |
| Median Home Value | $114,423 |
| Average Home Value | $171,682 |
Housing Distribution
Address Breakdown
Residential
1,040
Single Family
1,040
Multi-Family
0
Businesses
42
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 2015
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36742, Gallion, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,166 (100%) |
| Owner Occupied HU | 844 (72.4%) |
| Renter Occupied HU | 152 (13.0%) |
| Vacant Housing Units | 170 (14.6%) |
| Median Home Value | $114,423 |
| Average Home Value | $171,682 |
Housing Distribution
Address Breakdown
Residential
1,040
Single Family
1,040
Multi-Family
0
Businesses
42
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices