LOT 47 Brae Village DrGardendaleAL35071
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. Rental yield 3.31%. LOT 47 Brae Village Dr, Gardendale, AL, 35071 in Gardendale at $632,900, 3.31% gross yield, is a market-growth asset. The $1,746/mo rent partially funds the $2,846/mo debt service; the core return is the 5%/yr price growth projected to add $174,859 over five years. Ziffy Mortgage's DSCR mortgage (0.61) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $118,704.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 6.0% |
| Monthly Cash Flow | $(1,864) | $250 |
City averages based on Gardendale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,746 |
| Total Monthly Debt Service | $3,358 |
| DSCR Ratio | 0.52x |
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 2025
0.74 Acres lot
$N/A/sqft
$450 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35071, Gardendale, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,328 (100%) |
| Owner Occupied HU | 5,434 (74.2%) |
| Renter Occupied HU | 1,483 (20.2%) |
| Vacant Housing Units | 411 ( 5.6%) |
| Median Home Value | $305,155 |
| Average Home Value | $350,290 |
Housing Distribution
Address Breakdown
Residential
7,444
Single Family
6,835
Multi-Family
609
Businesses
673
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 2025
0.74 Acres lot
$N/A/sqft
$450 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35071, Gardendale, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,328 (100%) |
| Owner Occupied HU | 5,434 (74.2%) |
| Renter Occupied HU | 1,483 (20.2%) |
| Vacant Housing Units | 411 ( 5.6%) |
| Median Home Value | $305,155 |
| Average Home Value | $350,290 |
Housing Distribution
Address Breakdown
Residential
7,444
Single Family
6,835
Multi-Family
609
Businesses
673
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bobbie Alexander • Magnolia Real Estate Group LLC
Mls Name: GALMLS
Mls Provider:
Mls ID: #21419405
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.