582 Pine Level LnRamerAL36069
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Ramer rental at 582 Pine Level Ln, Ramer, AL, 36069 sits in the solid-income band: 9.4% gross yield, $1,214/mo rent, $339/mo net after the $697/mo debt service, DSCR 1.74. Entry price of $155,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $42,824 and $1,428/yr in principal reduction bring total cumulative return to $80,226.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $339 | $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 | $1,214 |
| Total Monthly Debt Service | $813 |
| DSCR Ratio | 1.49x |
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.
Manufactured
Built in 2019
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36069, Ramer, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 875 (100%) |
| Owner Occupied HU | 575 (65.7%) |
| Renter Occupied HU | 132 (15.1%) |
| Vacant Housing Units | 168 (19.2%) |
| Median Home Value | $219,097 |
| Average Home Value | $239,939 |
Housing Distribution
Address Breakdown
Residential
963
Single Family
963
Multi-Family
0
Businesses
67
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
Manufactured
Built in 2019
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36069, Ramer, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 875 (100%) |
| Owner Occupied HU | 575 (65.7%) |
| Renter Occupied HU | 132 (15.1%) |
| Vacant Housing Units | 168 (19.2%) |
| Median Home Value | $219,097 |
| Average Home Value | $239,939 |
Housing Distribution
Address Breakdown
Residential
963
Single Family
963
Multi-Family
0
Businesses
67
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices