496 Elberta LoopLillianAL36549
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 496 Elberta Loop, Lillian, AL, 36549 in Lillian speaks for itself: 20.98% gross on a $125,000 price, generating $2,185/mo in rent and $1,402/mo in net income after the $562/mo debt service. DSCR 3.89, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $16,829 stacks alongside $34,535 in projected five-year appreciation and $1,151/yr in principal reduction. Projected total cumulative return: $137,731.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 21% | 6.2% |
| Monthly Cash Flow | $1,402 | $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 | $2,185 |
| Total Monthly Debt Service | $733 |
| DSCR Ratio | 2.98x |
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 2013
3,441 sqft lot
$N/A/sqft
$221 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36549, Lillian, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,609 (100%) |
| Owner Occupied HU | 2,601 (72.1%) |
| Renter Occupied HU | 293 ( 8.1%) |
| Vacant Housing Units | 715 (19.8%) |
| Median Home Value | $260,289 |
| Average Home Value | $291,528 |
Housing Distribution
Address Breakdown
Residential
3,327
Single Family
3,327
Multi-Family
0
Businesses
111
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 2013
3,441 sqft lot
$N/A/sqft
$221 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36549, Lillian, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,609 (100%) |
| Owner Occupied HU | 2,601 (72.1%) |
| Renter Occupied HU | 293 ( 8.1%) |
| Vacant Housing Units | 715 (19.8%) |
| Median Home Value | $260,289 |
| Average Home Value | $291,528 |
Housing Distribution
Address Breakdown
Residential
3,327
Single Family
3,327
Multi-Family
0
Businesses
111
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bridget Williams • RE/MAX of Orange Beach
Mls Name: Baldwin Realtors
Mls Provider:
Mls ID: #383307
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.