9295 Talking Leaves LnMobileAL36695
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 9295 Talking Leaves Ln, Mobile, AL, 36695 in Mobile speaks for itself: 10.32% gross on a $247,000 price, generating $2,125/mo in rent and $721/mo in net income after the $1,111/mo debt service. DSCR 1.91, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,652 stacks alongside $68,242 in projected five-year appreciation and $2,275/yr in principal reduction. Projected total cumulative return: $140,076.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.8% |
| Monthly Cash Flow | $721 | $450 |
City averages based on Mobile market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,125 |
| Total Monthly Debt Service | $1,296 |
| DSCR Ratio | 1.64x |
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 2001
0.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36695, Mobile, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,268 (100%) |
| Owner Occupied HU | 14,535 (65.3%) |
| Renter Occupied HU | 6,614 (29.7%) |
| Vacant Housing Units | 1,119 ( 5.0%) |
| Median Home Value | $263,847 |
| Average Home Value | $294,427 |
Housing Distribution
Address Breakdown
Residential
21,840
Single Family
16,541
Multi-Family
5,299
Businesses
729
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 2001
0.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36695, Mobile, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,268 (100%) |
| Owner Occupied HU | 14,535 (65.3%) |
| Renter Occupied HU | 6,614 (29.7%) |
| Vacant Housing Units | 1,119 ( 5.0%) |
| Median Home Value | $263,847 |
| Average Home Value | $294,427 |
Housing Distribution
Address Breakdown
Residential
21,840
Single Family
16,541
Multi-Family
5,299
Businesses
729
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices