Published market hub · 2026-05
Mobile, AL: start in ZIP 36605 - $92,143 home value, $1,195 rent before you widen the search
Passes 1.20× DSCR read; max monthly payment $1,266/mo. Gross rent-to-value ratio near 8% suggests modest cash-flow potential. Start in strong rent-to-value ZIP, where the current setup looks strongest today. Before deeper deal work, check insurance, taxes, and fee load on the actual property.
DSCR quick screen
Use about $1,266/mo as the public first-pass monthly payment ceiling at a 1.20x DSCR read, then pass on deals that need materially more room before taxes, insurance, vacancy, and capex.
- Passes 1.20× DSCR read; max monthly payment $1,266/mo
- City rent proxy: $1,519/mo.
- Directional only. Pressure-test the payment range in the calculator before application.
Rough max payment
$1,266/mo
Public directional screen only. Validate against your actual scenario.
Rent proxy
City rent proxy: $1,519/mo
Public city screen derived from the strongest ZIP watch rows.
ZIP lead
ZIP 36605 - $92,143 home value, $1,195 rent
gross rent to value ratio
Market map preview
Mobile, AL dashboard with city, metro, and ZIP evidence labeled separately.
Lead ZIP
ZIP 36605 - $92,143 home value, $1,195 rent
Rent proxy
City rent proxy: $1,519/mo
Rough max payment
$1,266/mo
Investor read
What this market means right now
- With a 7.8% gross rent-to-value ratio, the market sits just below the typical 8% threshold for strong DSCR deals. Investors may proceed but should monitor rent growth and vacancy trends; the max monthly payment of $1,266/mo provides a concrete ceiling for financing assumptions.
- Best fit when stabilized monthly payment can stay comfortably below $1,266/mo.
This page gives you the city screen, the submarket watchlist, and the related article in one place so you can decide whether the market deserves more time and where to start first.
Execution posture
How the setup looks for acquire, refi, and hold
Acquire
Prioritize quick closures in ZIPs 36605, 36617, 36695, and 36609
Refi
Consider refinancing after stabilization if cash flow exceeds 1.25× DSCR
Hold
Hold properties with rent-to-value >8% and stable occupancy
Acquisition setup
What the current setup means for execution
Gross rent-to-value ratio near 8% suggests modest cash-flow potential.
- Gross rent-to-value ratio near 8% suggests modest cash-flow potential.
- Maximum monthly payment of $1,266/mo provides a clear financing ceiling for DSCR-based deal review.
- Lower-basis ZIPs 36695 and 36609 show rent levels ($1,519) that comfortably meet DSCR targets, offering upside for selective investors.
- Modest YoY price appreciation (+0.11%) provides price stability, allowing investors to lock in favorable financing before any upside materializes.
- Lower-basis ZIPs 36605 and 36617 deliver rent-to-value ratios well above the 8% reference point, offering strong DSCR upside.
Application next step
Ready to move from this market screen into a real application?
If this market still fits your strategy, continue into Sphinx Capital's loan application. DSCRInfo will carry this market context into the application start.
If you apply with Sphinx Capital from this page, DSCRInfo may receive referral compensation. See disclosures
ZIP watch
Where the submarket edge is concentrated
ZIP 36605 - $92,143 home value, $1,195 rent
36605
gross rent to value ratio
ZIP 36617 - $57,861 home value, $1,026 rent
36617
gross rent to value ratio
ZIP 36695 - $278,901 home value, $1,519 rent
36695
gross rent to value ratio
ZIP 36609 - $204,634 home value, $1,050 rent
36609
gross rent to value ratio
ZIP 36619 - $216,448 home value, $1,017 rent
36619
gross rent to value ratio
Next 90 days
How the setup could improve or deteriorate next
Leverage the acquisition posture of strong buyer leverage (price-drop ≈ 30%, median 52-day DOM) to negotiate favorable purchase prices, then apply the ZIP-level read that highlights 36695 and 36609 as the only city-wide pockets that clear the DSCR read at a monthly payment ceiling of $1,266/mo. Prioritize quick closures in these ZIPs, but keep a watch on inventory-driven price pressure that could erode margins before the next 90-day window closes.
- city read is 7.8% with rough max monthly payment $1,266/mo; metro acquisition pressure points to median listing price yoy change at +0.11%; ZIP layer still shows 2 promising ZIP pockets.
- Gross rent-to-value ratio near 8% suggests modest cash-flow potential.
- Maximum monthly payment of $1,266/mo provides a clear financing ceiling for DSCR-based deal review.
- Lower-basis ZIPs 36695 and 36609 show rent levels ($1,519) that comfortably meet DSCR targets, offering upside for selective investors.
- Modest YoY price appreciation (+0.11%) provides price stability, allowing investors to lock in favorable financing before any upside materializes.
Acquisition leverage
flat · mediumGross rent-to-value ratio near 8% suggests modest cash-flow potential.
Rent cushion
flat · mediumRent data comes from a single source (Repit) and may not capture sub-market variation.
Refi window
flat · mediumUse the dashboard as a first-pass read, not as a property-level decision.
Opportunity set
Why this market deserves attention
- Gross rent-to-value ratio near 8% suggests modest cash-flow potential.
- Maximum monthly payment of $1,266/mo provides a clear financing ceiling for DSCR-based deal review.
- Lower-basis ZIPs 36695 and 36609 show rent levels ($1,519) that comfortably meet DSCR targets, offering upside for selective investors.
- Modest YoY price appreciation (+0.11%) provides price stability, allowing investors to lock in favorable financing before any upside materializes.
- Lower-basis ZIPs 36605 and 36617 deliver rent-to-value ratios well above the 8% reference point, offering strong DSCR upside.
Risk review
What could break the thesis
- Rent data comes from a single source (Repit) and may not capture sub-market variation.
- Home-value proxy is not Zillow ZHVI; market dynamics could differ from the median sale price figure.
- Elevated price-drop activity (≈30% of homes) and a 3.5-month supply could pressure purchase prices and reduce DSCR cushions.
- Overall inventory of 690 units may attract more competition, increasing acquisition costs if demand spikes.
- Rent data is sourced from a single provider (Repit) and may not capture intra-ZIP variability.
Geography & method
How to read this page correctly
ZIP watch rows can diverge materially from city or metro averages.
Geography warnings
- ZIP watch rows can diverge materially from city or metro averages.
- Zillow home-value data not available for Mobile; Houzeo median sale price used as proxy.
- City metrics are not interchangeable with metro metrics; keep city, metro, and ZIP reads visibly separate.
- ZIP watch can diverge materially from city averages on both basis and rent.
Methodology notes
- Use the dashboard as a first-pass read, not as a property-level decision.
- Keep city rent/value proxies, metro acquisition pressure, and literal ZIP evidence visibly separate.
- Public DSCR estimates exclude taxes, insurance, vacancy, capex, lender overlays, and deal-specific rehab assumptions.
- Release dates and methodologies differ by source, so investor judgment should follow the metric-level labels rather than assume one unified feed.
- Median home value taken from Houzeo’s city-level market snapshot (median sale price).
Metric framework
What this public page is prioritizing
Median Home Value (City)
mixed$233,250
Houzeo reports a median sale price of $233,250 for Mobile, AL homes.
Mobile, AL · May 1, 2026
Median Rent (City)
mixed$1,519/mo
Concrete city rent basis used for DSCR public read (Median Rent (City)).
Mobile, AL · May 1, 2026
City Gross Rent-to-Value Ratio
mixed0.651%
Derived from Median Rent (City) and city home value for public first-pass only.
Mobile, AL · May 1, 2026
City Max monthly payment at 1.20x DSCR
mixed$1,266/mo
Derived from Median Rent (City) at a 1.20x DSCR read floor for public first-pass only.
Mobile, AL · May 1, 2026
Reader Q&A
Top questions this page should answer
Is this market workable for a DSCR acquisition investor right now?
Selective yes: treat this as a ZIP-by-ZIP acquisition market, not a blanket citywide buy call; start with strong rent-to-value ZIP and only pursue deals that still clear conservative DSCR math.
What rough monthly payment boundary does the public quick read imply?
$1,266/mo using the current dashboard math. Median Rent (City): $1,519/mo (Mobile, AL). Gross Rent-to-Value Ratio: 0.651%.
Where should an investor start inside the market?
Start with strong rent-to-value ZIP (promising) and Very Low-Basis, Very High Ratio ZIP (promising). Typical home value $92,143 with avg rent $1,195/mo gives a gross rent-to-value ratio of ~15.6%, well above the 8% reference point, providing ample DSCR cushion (max monthly payment $996/mo). basis: gross rent to value ratio.
What is the main thing that could break the thesis?
Rent data comes from a single source (Repit) and may not capture sub-market variation.
What should an investor verify next before acting on this dashboard?
Gross rent-to-value ratio near 8% suggests modest cash-flow potential.
Freshness & method
How this page is built
This page combines a public rent proxy, a rough max monthly payment screen at 1.20x DSCR, local pricing and inventory pressure, and ZIP-level dispersion. It is built to help you decide whether the market deserves deeper deal work and where to start first.
Page updated
June 2, 2026
The current published market screen for Mobile, AL: start in ZIP 36605 - $92,143 home value, $1,195 rent before you widen the search.
Metric release window
Latest: May 18, 2026
Oldest on-page metric: May 1, 2026
Sources and method
This dashboard keeps city rent support, rough max monthly payment, local pricing pressure, and ZIP-level dispersion separate so you can decide whether the market is worth pursuing before deeper deal review.
Mobile, AL dashboard with city, metro, and ZIP evidence labeled separately.. Public pages summarize the sources and method behind each read without exposing the underlying research record.
Application next step
Found a market that still works for your DSCR criteria?
Continue into Sphinx Capital's loan application when you are ready to turn this public market screen into a real DSCR loan application. DSCRInfo will carry this market context into the application start.