610 Spruce DrEufaulaAL36027
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 610 Spruce Dr, Eufaula, AL, 36027 in Eufaula speaks for itself: 11.96% gross on a $129,500 price, generating $1,291/mo in rent and $560/mo in net income after the $582/mo debt service. DSCR 2.22, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $6,723 stacks alongside $35,778 in projected five-year appreciation and $1,193/yr in principal reduction. Projected total cumulative return: $84,848.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 8.0% |
| Monthly Cash Flow | $560 | $500 |
City averages based on Eufaula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,291 |
| Total Monthly Debt Service | $679 |
| DSCR Ratio | 1.90x |
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 1970
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36027, Eufaula, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,604 (100%) |
| Owner Occupied HU | 3,916 (51.5%) |
| Renter Occupied HU | 2,502 (32.9%) |
| Vacant Housing Units | 1,186 (15.6%) |
| Median Home Value | $129,811 |
| Average Home Value | $196,196 |
Housing Distribution
Address Breakdown
Residential
6,920
Single Family
6,515
Multi-Family
405
Businesses
604
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 1970
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36027, Eufaula, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,604 (100%) |
| Owner Occupied HU | 3,916 (51.5%) |
| Renter Occupied HU | 2,502 (32.9%) |
| Vacant Housing Units | 1,186 (15.6%) |
| Median Home Value | $129,811 |
| Average Home Value | $196,196 |
Housing Distribution
Address Breakdown
Residential
6,920
Single Family
6,515
Multi-Family
405
Businesses
604
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices