100 County Road 334FlorenceAL35634
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 100 County Road 334, Florence, AL, 35634 in Florence is narrow, $182/mo net on $2,321/mo rent after the $1,704/mo debt service, but the property operates at break-even-plus, not a loss. At $379,000 with a 7.35% yield, the long-run equity case via 5% appreciation ($104,711 over five years) and $3,491/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.36 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $154,514.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.5% |
| Monthly Cash Flow | $182 | $400 |
City averages based on Florence market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,321 |
| Total Monthly Debt Service | $1,988 |
| DSCR Ratio | 1.17x |
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 1978
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35634, Florence, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,052 (100%) |
| Owner Occupied HU | 3,757 (74.4%) |
| Renter Occupied HU | 789 (15.6%) |
| Vacant Housing Units | 506 (10.0%) |
| Median Home Value | $294,579 |
| Average Home Value | $371,757 |
Housing Distribution
Address Breakdown
Residential
4,809
Single Family
4,706
Multi-Family
103
Businesses
203
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 1978
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35634, Florence, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,052 (100%) |
| Owner Occupied HU | 3,757 (74.4%) |
| Renter Occupied HU | 789 (15.6%) |
| Vacant Housing Units | 506 (10.0%) |
| Median Home Value | $294,579 |
| Average Home Value | $371,757 |
Housing Distribution
Address Breakdown
Residential
4,809
Single Family
4,706
Multi-Family
103
Businesses
203
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices