95 River Oaks LnCropwellAL35054
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing95 River Oaks Ln, Cropwell, AL, 35054 in Cropwell is a stable, well-positioned rental at $514,900. Rental yield 6.29%. DSCR 1.17 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $142,257 in value and $4,742/yr in principal paydown builds equity, a total projected return of $179,028.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.3% | 8.0% |
| Monthly Cash Flow | $(236) | $300 |
City averages based on Cropwell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,700 |
| Total Monthly Debt Service | $2,731 |
| DSCR Ratio | 0.99x |
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 1989
2 Acres lot
$N/A/sqft
$350 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35054, Cropwell, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,273 (100%) |
| Owner Occupied HU | 1,551 (68.2%) |
| Renter Occupied HU | 278 (12.2%) |
| Vacant Housing Units | 444 (19.5%) |
| Median Home Value | $328,886 |
| Average Home Value | $330,409 |
Housing Distribution
Address Breakdown
Residential
2,027
Single Family
2,027
Multi-Family
0
Businesses
140
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 1989
2 Acres lot
$N/A/sqft
$350 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35054, Cropwell, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,273 (100%) |
| Owner Occupied HU | 1,551 (68.2%) |
| Renter Occupied HU | 278 (12.2%) |
| Vacant Housing Units | 444 (19.5%) |
| Median Home Value | $328,886 |
| Average Home Value | $330,409 |
Housing Distribution
Address Breakdown
Residential
2,027
Single Family
2,027
Multi-Family
0
Businesses
140
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Courtney Hartsfield • Kelly Right Real Estate of Ala
Mls Name: GALMLS
Mls Provider:
Mls ID: #21419320
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.