0 Jones Chapel LoopSpringvilleAL35146
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis Springville rental at 0 Jones Chapel Loop, Springville, AL, 35146 sits in the solid-income band: 7.97% gross yield, $1,520/mo rent, $228/mo net after the $1,030/mo debt service, DSCR 1.48. Entry price of $228,960 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $63,257 and $2,109/yr in principal reduction bring total cumulative return to $100,924.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.5% |
| Monthly Cash Flow | $228 | $1,500 |
City averages based on Springville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,520 |
| Total Monthly Debt Service | $1,201 |
| DSCR Ratio | 1.27x |
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.
Single Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35146, Springville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,081 (100%) |
| Owner Occupied HU | 4,314 (84.9%) |
| Renter Occupied HU | 541 (10.6%) |
| Vacant Housing Units | 226 ( 4.4%) |
| Median Home Value | $295,501 |
| Average Home Value | $327,701 |
Housing Distribution
Address Breakdown
Residential
5,035
Single Family
5,035
Multi-Family
0
Businesses
324
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35146, Springville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,081 (100%) |
| Owner Occupied HU | 4,314 (84.9%) |
| Renter Occupied HU | 541 (10.6%) |
| Vacant Housing Units | 226 ( 4.4%) |
| Median Home Value | $295,501 |
| Average Home Value | $327,701 |
Housing Distribution
Address Breakdown
Residential
5,035
Single Family
5,035
Multi-Family
0
Businesses
324
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: RealtySouth
Mls ID: #21447995