7320 Upland LoopLeedsAL35094
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.28% yield at 7320 Upland Loop, Leeds, AL, 35094 in Leeds is solid, but the $1,505/mo payment compresses net cash flow to $134/mo at $317,430. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $87,700 by year five, and $2,661/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.28) without U.S. income documentation. Total projected return: $122,255.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 8.0% |
| Monthly Cash Flow | $134 | $1,200 |
City averages based on Leeds market data in our database. Property projections are estimates.
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 | $1,926 |
| Total Monthly Debt Service | $1,743 |
| DSCR Ratio | 1.11x |
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.
Single Family
Built in 2026
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35094, Leeds, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,693 (100%) |
| Owner Occupied HU | 4,525 (67.6%) |
| Renter Occupied HU | 1,660 (24.8%) |
| Vacant Housing Units | 508 ( 7.6%) |
| Median Home Value | $244,824 |
| Average Home Value | $296,299 |
Housing Distribution
Address Breakdown
Residential
6,789
Single Family
6,716
Multi-Family
73
Businesses
617
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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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