9485 Bagley RdEmpireAL35063
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 9485 Bagley Rd, Empire, AL, 35063 in Empire is a conservative rental investment at $439,900. The 6.99% yield from $2,716/mo in rent nets $80/mo after the $1,978/mo debt. A 1.37 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $121,536; $4,052/yr in principal paydown supplements. Total projected return: $180,800.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.2% |
| Monthly Cash Flow | $80 | $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 | $2,716 |
| Total Monthly Debt Service | $2,308 |
| DSCR Ratio | 1.18x |
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 2000
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35063, Empire, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,678 (100%) |
| Owner Occupied HU | 1,162 (69.2%) |
| Renter Occupied HU | 333 (19.8%) |
| Vacant Housing Units | 183 (10.9%) |
| Median Home Value | $123,148 |
| Average Home Value | $150,267 |
Housing Distribution
Address Breakdown
Residential
1,474
Single Family
1,474
Multi-Family
0
Businesses
32
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 2000
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35063, Empire, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,678 (100%) |
| Owner Occupied HU | 1,162 (69.2%) |
| Renter Occupied HU | 333 (19.8%) |
| Vacant Housing Units | 183 (10.9%) |
| Median Home Value | $123,148 |
| Average Home Value | $150,267 |
Housing Distribution
Address Breakdown
Residential
1,474
Single Family
1,474
Multi-Family
0
Businesses
32
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Allison Parker • EXIT Justice Realty LLC
Mls Name: GALMLS
Mls Provider:
Mls ID: #21419034
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.