10021 Shades Rd SEHuntsvilleAL35803
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 10021 Shades Rd SE, Huntsville, AL, 35803 in Huntsville is narrow, $113/mo net on $2,652/mo rent after the $2,023/mo debt service, but the property operates at break-even-plus, not a loss. At $449,900 with a 7.07% yield, the long-run equity case via 5% appreciation ($124,299 over five years) and $4,144/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.31 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $176,787.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.1% |
| Monthly Cash Flow | $113 | $420 |
City averages based on Huntsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,652 |
| Total Monthly Debt Service | $2,360 |
| DSCR Ratio | 1.12x |
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
9,919 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35803, Huntsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,171 (100%) |
| Owner Occupied HU | 10,027 (76.1%) |
| Renter Occupied HU | 2,367 (18.0%) |
| Vacant Housing Units | 777 ( 5.9%) |
| Median Home Value | $326,837 |
| Average Home Value | $368,110 |
Housing Distribution
Address Breakdown
Residential
13,302
Single Family
12,541
Multi-Family
761
Businesses
409
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
9,919 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35803, Huntsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,171 (100%) |
| Owner Occupied HU | 10,027 (76.1%) |
| Renter Occupied HU | 2,367 (18.0%) |
| Vacant Housing Units | 777 ( 5.9%) |
| Median Home Value | $326,837 |
| Average Home Value | $368,110 |
Housing Distribution
Address Breakdown
Residential
13,302
Single Family
12,541
Multi-Family
761
Businesses
409
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jill McGuire • RE/MAX Unlimited
Mls Name: ValleyMLS
Mls ID: #21907950