7516 Doris Ruth LnOwens X RdsAL35763
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 7516 Doris Ruth Ln, Owens X Rds, AL, 35763 in Owens X Rds delivers $2,206/mo in gross rent and $504/mo in net monthly income at a $280,706 entry. The 9.43% yield and 1.75 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $77,554 over five years and $2,585/yr in equity from loan paydown, total projected return is $145,805.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $504 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,206 |
| Total Monthly Debt Service | $1,473 |
| DSCR Ratio | 1.50x |
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.
Townhouse
Built in N/A
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35763, Owens Cross Roads, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,206 (100%) |
| Owner Occupied HU | 7,738 (84.1%) |
| Renter Occupied HU | 1,165 (12.7%) |
| Vacant Housing Units | 303 ( 3.3%) |
| Median Home Value | $436,995 |
| Average Home Value | $478,066 |
Housing Distribution
Address Breakdown
Residential
9,173
Single Family
9,173
Multi-Family
0
Businesses
322
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
Townhouse
Built in N/A
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35763, Owens Cross Roads, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,206 (100%) |
| Owner Occupied HU | 7,738 (84.1%) |
| Renter Occupied HU | 1,165 (12.7%) |
| Vacant Housing Units | 303 ( 3.3%) |
| Median Home Value | $436,995 |
| Average Home Value | $478,066 |
Housing Distribution
Address Breakdown
Residential
9,173
Single Family
9,173
Multi-Family
0
Businesses
322
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stanford Stephens • Lennar Homes Coastal Realty
Mls Name: ValleyMLS
Mls ID: #21907185