ESSEX Plan, Ramsay Cove, Owens Cross Roads, AL, 35763 | $989/mo Cash Flow

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Rental property for sale in Owens Cross Roads at ESSEX Plan, Ramsay Cove, Owens Cross Roads, AL, 35763 priced at $263,990 converts $2,479/mo rent into $989/mo cash flow after a $1,292/mo obligation. Total monthly income equals $2,479/mo, and annual cash flow totals $11,868/yr on $87,513 invested. Return on cash invested prints 33.47% in year one, and rental yield reads 11.27% against a $263,990 entry. Equity gained on principal adds $1,703/yr, while 5% annual appreciation compiles into $72,936 by year five. Five-year ROI reaches 174.86% and total cumulative return in cash sums $153,022. For leverage, Ziffy Mortgage’s DSCR loan bases approval on $2,479/mo property income covering a $1,292/mo payment, not borrower’s personal income.

Single Family

Built in 2026

N/A lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 35763, Owens Cross Roads, AL area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	9,206 (100%)
Owner Occupied HU	7,738 (84.1%)
Renter Occupied HU	1,165 (12.7%)
Vacant Housing Units	303 ( 3.3%)
Median Home Value	$436,995
Average Home Value	$478,066