7037 Rocky Road LoopGulf ShoresAL36542
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing7037 Rocky Road Loop, Gulf Shores, AL, 36542 in Gulf Shores is a stable, well-positioned rental at $509,000. Rental yield 6.26%. DSCR 1.16 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $140,627 in value and $4,688/yr in principal paydown builds equity, a total projected return of $177,798.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.3% | 6.2% |
| Monthly Cash Flow | $(218) | $1,850 |
City averages based on Gulf Shores market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,655 |
| Total Monthly Debt Service | $2,671 |
| DSCR Ratio | 0.99x |
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 2017
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36542, Gulf Shores, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,438 (100%) |
| Owner Occupied HU | 6,282 (30.7%) |
| Renter Occupied HU | 3,228 (15.8%) |
| Vacant Housing Units | 10,928 (53.5%) |
| Median Home Value | $407,892 |
| Average Home Value | $473,194 |
Housing Distribution
Address Breakdown
Residential
14,536
Single Family
9,700
Multi-Family
4,836
Businesses
523
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 2017
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36542, Gulf Shores, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,438 (100%) |
| Owner Occupied HU | 6,282 (30.7%) |
| Renter Occupied HU | 3,228 (15.8%) |
| Vacant Housing Units | 10,928 (53.5%) |
| Median Home Value | $407,892 |
| Average Home Value | $473,194 |
Housing Distribution
Address Breakdown
Residential
14,536
Single Family
9,700
Multi-Family
4,836
Businesses
523
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christy Thorne • Dolphin Cove Realty LLC
Mls Name: Baldwin Realtors
Mls ID: #390509