0 Highway 72CherokeeAL35616
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.03% yield at 0 Highway 72, Cherokee, AL, 35616 in Cherokee is solid, but the $809/mo payment compresses net cash flow to $188/mo at $179,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $49,703 by year five, and $1,657/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.49) without U.S. income documentation. Total projected return: $79,978.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.2% |
| Monthly Cash Flow | $188 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,204 |
| Total Monthly Debt Service | $944 |
| DSCR Ratio | 1.28x |
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.
Manufactured
Built in N/A
3.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35616, Cherokee, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,351 (100%) |
| Owner Occupied HU | 1,413 (60.1%) |
| Renter Occupied HU | 378 (16.1%) |
| Vacant Housing Units | 560 (23.8%) |
| Median Home Value | $139,015 |
| Average Home Value | $211,175 |
Housing Distribution
Address Breakdown
Residential
1,933
Single Family
1,933
Multi-Family
0
Businesses
98
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
Manufactured
Built in N/A
3.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35616, Cherokee, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,351 (100%) |
| Owner Occupied HU | 1,413 (60.1%) |
| Renter Occupied HU | 378 (16.1%) |
| Vacant Housing Units | 560 (23.8%) |
| Median Home Value | $139,015 |
| Average Home Value | $211,175 |
Housing Distribution
Address Breakdown
Residential
1,933
Single Family
1,933
Multi-Family
0
Businesses
98
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Debbie Lester • Prosouth Realty
Mls Name: Strategic MLS Alliance
Mls ID: #518078
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.