102 Sawmill TrceAlabasterAL35007
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 102 Sawmill Trce, Alabaster, AL, 35007 in Alabaster is narrow, $183/mo net on $5,226/mo rent after the $3,855/mo debt service, but the property operates at break-even-plus, not a loss. At $857,200 with a 7.32% yield, the long-run equity case via 5% appreciation ($236,829 over five years) and $7,895/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: $335,650.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 8.0% |
| Monthly Cash Flow | $183 | $250 |
City averages based on Alabaster market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,226 |
| Total Monthly Debt Service | $4,702 |
| DSCR Ratio | 1.11x |
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 2006
3.17 Acres lot
$N/A/sqft
$150 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35007, Alabaster, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,730 (100%) |
| Owner Occupied HU | 8,592 (80.1%) |
| Renter Occupied HU | 1,767 (16.5%) |
| Vacant Housing Units | 371 ( 3.5%) |
| Median Home Value | $283,979 |
| Average Home Value | $334,122 |
Housing Distribution
Address Breakdown
Residential
10,478
Single Family
9,866
Multi-Family
612
Businesses
1,121
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 2006
3.17 Acres lot
$N/A/sqft
$150 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35007, Alabaster, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,730 (100%) |
| Owner Occupied HU | 8,592 (80.1%) |
| Renter Occupied HU | 1,767 (16.5%) |
| Vacant Housing Units | 371 ( 3.5%) |
| Median Home Value | $283,979 |
| Average Home Value | $334,122 |
Housing Distribution
Address Breakdown
Residential
10,478
Single Family
9,866
Multi-Family
612
Businesses
1,121
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
