78 Gunner DrFort MitchellAL36856
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 78 Gunner Dr, Fort Mitchell, AL, 36856 in Fort Mitchell earns a 9.2% gross yield at $403,000. Rent of $3,089/mo nets $742/mo after the $1,812/mo mortgage. The 1.70 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $111,341 and $3,712/yr in equity accumulation project a total cumulative return of $199,955.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.0% |
| Monthly Cash Flow | $742 | $200 |
City averages based on Fort Mitchell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,089 |
| Total Monthly Debt Service | $2,187 |
| DSCR Ratio | 1.41x |
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 2017
0.49 Acres lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36856, Fort Mitchell, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,948 (100%) |
| Owner Occupied HU | 2,088 (70.8%) |
| Renter Occupied HU | 600 (20.4%) |
| Vacant Housing Units | 260 ( 8.8%) |
| Median Home Value | $252,279 |
| Average Home Value | $237,555 |
Housing Distribution
Address Breakdown
Residential
2,911
Single Family
2,911
Multi-Family
0
Businesses
87
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
0.49 Acres lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36856, Fort Mitchell, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,948 (100%) |
| Owner Occupied HU | 2,088 (70.8%) |
| Renter Occupied HU | 600 (20.4%) |
| Vacant Housing Units | 260 ( 8.8%) |
| Median Home Value | $252,279 |
| Average Home Value | $237,555 |
Housing Distribution
Address Breakdown
Residential
2,911
Single Family
2,911
Multi-Family
0
Businesses
87
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Roni Braun • Century 21 Premier Real Estate
Mls Name: East Alabama BOR
Mls Provider:
Mls ID: #E99038
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.