54401 Morris PlStocktonAL36579
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.62% gross rental yield, 54401 Morris Pl, Stockton, AL, 36579 in Stockton is priced for capital growth, not immediate cash flow. The $265,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $73,215 by year five, with $2,441/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.86) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $69,259.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 0.0% |
| Monthly Cash Flow | $(476) | $0 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,020 |
| Total Monthly Debt Service | $1,390 |
| DSCR Ratio | 0.73x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2001
1.21 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36579, Stockton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,058 (100%) |
| Owner Occupied HU | 520 (49.1%) |
| Renter Occupied HU | 74 ( 7.0%) |
| Vacant Housing Units | 464 (43.9%) |
| Median Home Value | $255,376 |
| Average Home Value | $287,683 |
Housing Distribution
Address Breakdown
Residential
664
Single Family
664
Multi-Family
0
Businesses
30
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 2001
1.21 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36579, Stockton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,058 (100%) |
| Owner Occupied HU | 520 (49.1%) |
| Renter Occupied HU | 74 ( 7.0%) |
| Vacant Housing Units | 464 (43.9%) |
| Median Home Value | $255,376 |
| Average Home Value | $287,683 |
Housing Distribution
Address Breakdown
Residential
664
Single Family
664
Multi-Family
0
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices