6003 Gardner Maples DrOwens X RdsAL35763
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 6003 Gardner Maples Dr, Owens X Rds, AL, 35763 in Owens X Rds is narrow, $118/mo net on $2,323/mo rent after the $1,754/mo debt service, but the property operates at break-even-plus, not a loss. At $369,999 with a 7.53% yield, the long-run equity case via 5% appreciation ($102,224 over five years) and $3,102/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.32 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $147,577.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.2% |
| Monthly Cash Flow | $118 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,323 |
| Total Monthly Debt Service | $2,031 |
| DSCR Ratio | 1.14x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 2023
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35763, Owens Cross Roads, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,206 (100%) |
| Owner Occupied HU | 7,738 (84.1%) |
| Renter Occupied HU | 1,165 (12.7%) |
| Vacant Housing Units | 303 ( 3.3%) |
| Median Home Value | $436,995 |
| Average Home Value | $478,066 |
Housing Distribution
Address Breakdown
Residential
9,173
Single Family
9,173
Multi-Family
0
Businesses
322
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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
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Listed by: N/A • N/A
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21927044
