522 Bull Hollow RdGallantAL35972
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $199,900, 522 Bull Hollow Rd, Gallant, AL, 35972 in Gallant generates $1,181/mo in rent (7.09% yield) but nets only $49/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.31) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $55,229. Total projected return: $78,506.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 8.5% |
| Monthly Cash Flow | $49 | $1,200 |
City averages based on Gallant market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,181 |
| Total Monthly Debt Service | $1,053 |
| DSCR Ratio | 1.12x |
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 1972
11 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35972, Gallant, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 415 (100%) |
| Owner Occupied HU | 292 (70.4%) |
| Renter Occupied HU | 61 (14.7%) |
| Vacant Housing Units | 62 (14.9%) |
| Median Home Value | $214,674 |
| Average Home Value | $244,726 |
Housing Distribution
Address Breakdown
Residential
535
Single Family
535
Multi-Family
0
Businesses
19
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 1972
11 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35972, Gallant, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 415 (100%) |
| Owner Occupied HU | 292 (70.4%) |
| Renter Occupied HU | 61 (14.7%) |
| Vacant Housing Units | 62 (14.9%) |
| Median Home Value | $214,674 |
| Average Home Value | $244,726 |
Housing Distribution
Address Breakdown
Residential
535
Single Family
535
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices