7596 State Highway 71DuttonAL35744
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 7596 State Highway 71, Dutton, AL, 35744 in Dutton at $235,000 earns $1,446/mo in rent and nets $120/mo after the $1,057/mo payment, a 7.38% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $64,926 over five years. Ziffy Mortgage underwrites this on a 1.37 DSCR without U.S. credit history. With $2,164/yr in principal paydown, total projected return reaches $96,236.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 8.0% |
| Monthly Cash Flow | $120 | $300 |
City averages based on Dutton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,446 |
| Total Monthly Debt Service | $1,233 |
| DSCR Ratio | 1.17x |
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 N/A
4.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35744, Dutton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,197 (100%) |
| Owner Occupied HU | 860 (71.8%) |
| Renter Occupied HU | 207 (17.3%) |
| Vacant Housing Units | 130 (10.9%) |
| Median Home Value | $140,625 |
| Average Home Value | $218,799 |
Housing Distribution
Address Breakdown
Residential
1,058
Single Family
1,058
Multi-Family
0
Businesses
30
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 N/A
4.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35744, Dutton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,197 (100%) |
| Owner Occupied HU | 860 (71.8%) |
| Renter Occupied HU | 207 (17.3%) |
| Vacant Housing Units | 130 (10.9%) |
| Median Home Value | $140,625 |
| Average Home Value | $218,799 |
Housing Distribution
Address Breakdown
Residential
1,058
Single Family
1,058
Multi-Family
0
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices