101 Sonoma CirMadisonAL35757
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSolid fundamentals define the investment case at 101 Sonoma Cir, Madison, AL, 35757 in Madison: $3,265/mo in rent, $205/mo in net income, 7.26% gross yield, 1.34 DSCR, all at $540,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $149,192 in appreciation and $4,973/yr in principal paydown projects total cumulative return of $216,730.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 5.8% |
| Monthly Cash Flow | $205 | $420 |
City averages based on Madison market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,265 |
| Total Monthly Debt Service | $2,846 |
| DSCR Ratio | 1.15x |
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
0.38 Acres lot
$N/A/sqft
$150 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35757, Madison, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,348 (100%) |
| Owner Occupied HU | 6,117 (59.1%) |
| Renter Occupied HU | 3,534 (34.2%) |
| Vacant Housing Units | 697 ( 6.7%) |
| Median Home Value | $365,694 |
| Average Home Value | $430,830 |
Housing Distribution
Address Breakdown
Residential
9,317
Single Family
8,952
Multi-Family
365
Businesses
163
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
0.38 Acres lot
$N/A/sqft
$150 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35757, Madison, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,348 (100%) |
| Owner Occupied HU | 6,117 (59.1%) |
| Renter Occupied HU | 3,534 (34.2%) |
| Vacant Housing Units | 697 ( 6.7%) |
| Median Home Value | $365,694 |
| Average Home Value | $430,830 |
Housing Distribution
Address Breakdown
Residential
9,317
Single Family
8,952
Multi-Family
365
Businesses
163
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bri Bond • Crue Realty
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21891803
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