805 Captain O'Neal DrDaphneAL36526
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 1.93% gross rental yield, 805 Captain O'Neal Dr, Daphne, AL, 36526 in Daphne is priced for capital growth, not immediate cash flow. The $821,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $226,827 by year five, with $7,561/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.36) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $96,123.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.9% | 6.8% |
| Monthly Cash Flow | $(3,314) | $1,850 |
City averages based on Daphne market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,320 |
| Total Monthly Debt Service | $4,307 |
| DSCR Ratio | 0.31x |
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 1974
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36526, Daphne, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,899 (100%) |
| Owner Occupied HU | 12,007 (67.1%) |
| Renter Occupied HU | 4,253 (23.8%) |
| Vacant Housing Units | 1,639 ( 9.2%) |
| Median Home Value | $350,867 |
| Average Home Value | $399,652 |
Housing Distribution
Address Breakdown
Residential
16,538
Single Family
14,571
Multi-Family
1,967
Businesses
1,632
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 1974
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36526, Daphne, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,899 (100%) |
| Owner Occupied HU | 12,007 (67.1%) |
| Renter Occupied HU | 4,253 (23.8%) |
| Vacant Housing Units | 1,639 ( 9.2%) |
| Median Home Value | $350,867 |
| Average Home Value | $399,652 |
Housing Distribution
Address Breakdown
Residential
16,538
Single Family
14,571
Multi-Family
1,967
Businesses
1,632
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Karl Gustafson • J & J Realty, LLC
Mls Name: Baldwin Realtors
Mls Provider:
Mls ID: #364186
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.