7177 King RdValleyAL36854
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 7177 King Rd, Valley, AL, 36854 in Valley worth study. Rental yield 4.71%. The 4.71% gross yield is below cash-flow benchmarks at $274,900, but 5% annual appreciation, adding $75,950 over five years, frames this as a capital growth position. Rent of $1,080/mo partially offsets the $1,236/mo payment. Ziffy Mortgage finances appreciation-play properties (0.87 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $71,742.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 7.5% |
| Monthly Cash Flow | $(497) | $300 |
City averages based on Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,080 |
| Total Monthly Debt Service | $1,467 |
| DSCR Ratio | 0.74x |
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 2024
9,016 sqft lot
$N/A/sqft
$300 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36854, Valley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,708 (100%) |
| Owner Occupied HU | 4,470 (58.0%) |
| Renter Occupied HU | 2,275 (29.5%) |
| Vacant Housing Units | 963 (12.5%) |
| Median Home Value | $173,164 |
| Average Home Value | $216,190 |
Housing Distribution
Address Breakdown
Residential
7,192
Single Family
6,150
Multi-Family
1,042
Businesses
393
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 2024
9,016 sqft lot
$N/A/sqft
$300 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36854, Valley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,708 (100%) |
| Owner Occupied HU | 4,470 (58.0%) |
| Renter Occupied HU | 2,275 (29.5%) |
| Vacant Housing Units | 963 (12.5%) |
| Median Home Value | $173,164 |
| Average Home Value | $216,190 |
Housing Distribution
Address Breakdown
Residential
7,192
Single Family
6,150
Multi-Family
1,042
Businesses
393
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Terri Kelley • Real Brokerage LLC Terri Kelle
Mls Name: East Alabama BOR
Mls Provider:
Mls ID: #E98899
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.