10070 Hardaway Hills RdAthensAL35614
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 10070 Hardaway Hills Rd, Athens, AL, 35614 in Athens is narrow, $109/mo net on $2,621/mo rent after the $2,001/mo debt service, but the property operates at break-even-plus, not a loss. At $445,000 with a 7.07% yield, the long-run equity case via 5% appreciation ($122,945 over five years) and $4,098/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: $174,758.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.8% |
| Monthly Cash Flow | $109 | $850 |
City averages based on Athens market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,621 |
| Total Monthly Debt Service | $2,335 |
| 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 1970
2.71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35614, Athens, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,686 (100%) |
| Owner Occupied HU | 2,617 (71.0%) |
| Renter Occupied HU | 769 (20.9%) |
| Vacant Housing Units | 300 ( 8.1%) |
| Median Home Value | $267,821 |
| Average Home Value | $323,535 |
Housing Distribution
Address Breakdown
Residential
3,517
Single Family
3,517
Multi-Family
0
Businesses
69
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 1970
2.71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35614, Athens, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,686 (100%) |
| Owner Occupied HU | 2,617 (71.0%) |
| Renter Occupied HU | 769 (20.9%) |
| Vacant Housing Units | 300 ( 8.1%) |
| Median Home Value | $267,821 |
| Average Home Value | $323,535 |
Housing Distribution
Address Breakdown
Residential
3,517
Single Family
3,517
Multi-Family
0
Businesses
69
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices