9586 Camp Oliver RdAdgerAL35006
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 9586 Camp Oliver Rd, Adger, AL, 35006 in Adger. Priced at $179,900, it generates $1,616/mo in gross rent and $565/mo in net monthly cash flow, a 10.78% yield that comfortably supports the 2.00 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,780. Five-year appreciation: $49,703. Equity from principal paydown: $1,657/yr. Total projected cumulative return: $104,326.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 8.0% |
| Monthly Cash Flow | $565 | $250 |
City averages based on Adger market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,616 |
| Total Monthly Debt Service | $980 |
| DSCR Ratio | 1.65x |
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 1999
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35006, Adger, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,575 (100%) |
| Owner Occupied HU | 1,076 (68.3%) |
| Renter Occupied HU | 187 (11.9%) |
| Vacant Housing Units | 312 (19.8%) |
| Median Home Value | $206,838 |
| Average Home Value | $245,704 |
Housing Distribution
Address Breakdown
Residential
1,586
Single Family
1,586
Multi-Family
0
Businesses
68
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 1999
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35006, Adger, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,575 (100%) |
| Owner Occupied HU | 1,076 (68.3%) |
| Renter Occupied HU | 187 (11.9%) |
| Vacant Housing Units | 312 (19.8%) |
| Median Home Value | $206,838 |
| Average Home Value | $245,704 |
Housing Distribution
Address Breakdown
Residential
1,586
Single Family
1,586
Multi-Family
0
Businesses
68
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeff Jones • Century 21 Advantage
Mls Name: GALMLS
Mls Provider:
Mls ID: #21406910
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.