522 Verbena LoopFoleyAL36535
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 522 Verbena Loop, Foley, AL, 36535 in Foley. At $195,500 it earns $1,692/mo in rent and distributes $465/mo to the owner after the $879/mo payment, a consistent 9.56% yield. DSCR 1.92 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $54,013 in value; $1,801/yr in principal paydown compounds ownership stake. Total projected return: $111,585.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 5.8% |
| Monthly Cash Flow | $465 | $385 |
City averages based on Foley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,692 |
| Total Monthly Debt Service | $1,026 |
| DSCR Ratio | 1.65x |
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 1983
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36535, Foley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,865 (100%) |
| Owner Occupied HU | 12,586 (60.3%) |
| Renter Occupied HU | 5,135 (24.6%) |
| Vacant Housing Units | 3,144 (15.1%) |
| Median Home Value | $299,550 |
| Average Home Value | $322,808 |
Housing Distribution
Address Breakdown
Residential
18,404
Single Family
17,522
Multi-Family
882
Businesses
1,276
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 1983
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36535, Foley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,865 (100%) |
| Owner Occupied HU | 12,586 (60.3%) |
| Renter Occupied HU | 5,135 (24.6%) |
| Vacant Housing Units | 3,144 (15.1%) |
| Median Home Value | $299,550 |
| Average Home Value | $322,808 |
Housing Distribution
Address Breakdown
Residential
18,404
Single Family
17,522
Multi-Family
882
Businesses
1,276
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices