0 Smitherman DrRandolphAL36792
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow0 Smitherman Dr, Randolph, AL, 36792 in Randolph is a solid income-producing rental, 10% gross yield, $1,458/mo rent, $470/mo net cash flow on a $175,000 buy. DSCR 1.85 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $48,349 and $1,612/yr in principal reduction project a total cumulative return of $96,213.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.2% |
| Monthly Cash Flow | $470 | $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 | $1,458 |
| Total Monthly Debt Service | $918 |
| DSCR Ratio | 1.59x |
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.
Lot
Built in N/A
32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36792, Randolph, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 426 (100%) |
| Owner Occupied HU | 302 (70.9%) |
| Renter Occupied HU | 80 (18.8%) |
| Vacant Housing Units | 44 (10.3%) |
| Median Home Value | $121,296 |
| Average Home Value | $163,543 |
Housing Distribution
Address Breakdown
Residential
559
Single Family
559
Multi-Family
0
Businesses
12
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
Lot
Built in N/A
32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36792, Randolph, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 426 (100%) |
| Owner Occupied HU | 302 (70.9%) |
| Renter Occupied HU | 80 (18.8%) |
| Vacant Housing Units | 44 (10.3%) |
| Median Home Value | $121,296 |
| Average Home Value | $163,543 |
Housing Distribution
Address Breakdown
Residential
559
Single Family
559
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices