928 Central RdEclecticAL36026
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 928 Central Rd, Eclectic, AL, 36026 in Eclectic: $2,633/mo in rent, $580/mo in net income, 8.69% gross yield, 1.61 DSCR, all at $363,654. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $100,471 in appreciation and $3,349/yr in principal paydown projects total cumulative return of $174,422.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $580 | $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 | $2,633 |
| Total Monthly Debt Service | $1,908 |
| DSCR Ratio | 1.38x |
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 2024
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36026, Equality, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 976 (100%) |
| Owner Occupied HU | 458 (46.9%) |
| Renter Occupied HU | 62 ( 6.4%) |
| Vacant Housing Units | 456 (46.7%) |
| Median Home Value | $370,492 |
| Average Home Value | $526,316 |
Housing Distribution
Address Breakdown
Residential
626
Single Family
626
Multi-Family
0
Businesses
13
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 2024
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36026, Equality, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 976 (100%) |
| Owner Occupied HU | 458 (46.9%) |
| Renter Occupied HU | 62 ( 6.4%) |
| Vacant Housing Units | 456 (46.7%) |
| Median Home Value | $370,492 |
| Average Home Value | $526,316 |
Housing Distribution
Address Breakdown
Residential
626
Single Family
626
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices