8070 Middle Ring RdMobileAL36619
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 8070 Middle Ring Rd, Mobile, AL, 36619 in Mobile. At $189,900 it earns $1,472/mo in rent and distributes $400/mo to the owner after the $854/mo payment, a consistent 9.3% yield. DSCR 1.72 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $52,466 in value; $1,749/yr in principal paydown compounds ownership stake. Total projected return: $97,326.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.8% |
| Monthly Cash Flow | $400 | $450 |
City averages based on Mobile market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,472 |
| Total Monthly Debt Service | $996 |
| DSCR Ratio | 1.48x |
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 1976
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36619, Mobile, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,474 (100%) |
| Owner Occupied HU | 4,555 (70.4%) |
| Renter Occupied HU | 1,457 (22.5%) |
| Vacant Housing Units | 462 ( 7.1%) |
| Median Home Value | $234,569 |
| Average Home Value | $295,519 |
Housing Distribution
Address Breakdown
Residential
5,916
Single Family
5,501
Multi-Family
415
Businesses
677
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 1976
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36619, Mobile, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,474 (100%) |
| Owner Occupied HU | 4,555 (70.4%) |
| Renter Occupied HU | 1,457 (22.5%) |
| Vacant Housing Units | 462 ( 7.1%) |
| Median Home Value | $234,569 |
| Average Home Value | $295,519 |
Housing Distribution
Address Breakdown
Residential
5,916
Single Family
5,501
Multi-Family
415
Businesses
677
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices