7 Gardner WayPhenix CityAL36869
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 7 Gardner Way, Phenix City, AL, 36869 in Phenix City speaks for itself: 11.63% gross on a $255,000 price, generating $2,472/mo in rent and $1,033/mo in net income after the $1,147/mo debt service. DSCR 2.16, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $12,392 stacks alongside $70,452 in projected five-year appreciation and $2,349/yr in principal reduction. Projected total cumulative return: $162,539.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 7.8% |
| Monthly Cash Flow | $1,033 | $420 |
City averages based on Phenix City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,472 |
| Total Monthly Debt Service | $1,338 |
| DSCR Ratio | 1.85x |
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 2020
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36869, Phenix City, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,978 (100%) |
| Owner Occupied HU | 4,896 (49.1%) |
| Renter Occupied HU | 3,977 (39.9%) |
| Vacant Housing Units | 1,105 (11.1%) |
| Median Home Value | $141,605 |
| Average Home Value | $170,815 |
Housing Distribution
Address Breakdown
Residential
9,240
Single Family
8,314
Multi-Family
926
Businesses
256
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 2020
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36869, Phenix City, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,978 (100%) |
| Owner Occupied HU | 4,896 (49.1%) |
| Renter Occupied HU | 3,977 (39.9%) |
| Vacant Housing Units | 1,105 (11.1%) |
| Median Home Value | $141,605 |
| Average Home Value | $170,815 |
Housing Distribution
Address Breakdown
Residential
9,240
Single Family
8,314
Multi-Family
926
Businesses
256
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jessica Taylor • Teal Door Realty
Mls Name: CBORGA
Mls Provider:
Mls ID: #216510
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.