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Investor market data · Alabama

Mobile, AL Rental Market for Investors

An estimated 80% of Mobile's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of August 2026.

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$295,999Median list price747 active listings
$40,022Median STR revenue / yrprojected, gross

Homes in Mobile that pencil right now

A sample of active Mobile listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of August 2026.

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As of August 2026, we analyzed 747 active for-sale homes in Mobile, Alabama. The typical listing is priced at $295,999 and is projected to generate about $40,022 a year as a short-term rental.

After setting aside an estimated 20% for operating costs, an estimated 80.1% of those homes could still cover an investor mortgage payment on short-term-rental income — well above the 52.5% median across the 200 major metros we track, ranking Mobile #7 of 200 for cash-flow potential.

On market momentum: homes in Mobile sit a median of 67 days on the market, and 27% of active listings came on in just the last 30 days — a steadily paced market, which shapes how much room there is to negotiate.

For a DSCR loan — which qualifies on the property's rental income rather than your personal income — that's a relatively healthy setup: in Mobile, a meaningful share of listings throw off enough short-term-rental income, after costs, to cover an estimated investor mortgage payment.

What actually works in Mobile

Mobile is a broad cash-flow market right now: 416 of the 662 Mobile homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $340,000.

Share of those listings clearing an DSCR of 1.25, by price and bedroom count. The smaller figure is the median DSCR for that group.
Price2 bed3 bed4 bed5 bed
$150k–$250k79%1.4898%1.83100%1.93—
$250k–$350k8%0.9175%1.3382%1.42—
$350k–$500k—4%1.0022%1.1333%1.15
$500k+—0%0.640%0.638%0.80

Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.

Mobile in full

Active for-sale homes analyzed747
Median list price$295,999
Median projected STR revenue (annual, gross)$40,022
Median average daily rate (ADR)$180
Median occupancy61%
Median beds3
Median size1,985 sqft
Estimated cash-flow-positive share80.1%
Median days on market67 days
New listings (last 30 days)27.2% of active

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Run your numbers · Mobile

Would a Mobile rental qualify for a DSCR loan?

Pre-filled with Mobile's median price and projected short-term-rental income — change any field to match a specific property.

Rent source
Advanced
Property tax
%
Scout DSCR Live
1.50
Exceptional · top-tier deal
Qualifying rent$2,668
Monthly ITIA$1,776
Loan amount$236,799
30-year DSCR1.40
30-year PITIA$1,906
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Estimates for educational purposes. Final terms subject to credit, property & program approval.

Chad BakerJulian HebronKarina SaldarriagaMark LindenBrittani Cooper5 senior bankers · 47 states
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