103 Jules LnAshfordAL36312
INVESTMENT ANALYSIS
Investment Verdict
Solid Income103 Jules Ln, Ashford, AL, 36312 in Ashford is a solid income-producing rental, 8.52% gross yield, $1,776/mo rent, $365/mo net cash flow on a $250,000 buy. DSCR 1.58 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $69,070 and $2,303/yr in principal reduction project a total cumulative return of $117,709.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 8.0% |
| Monthly Cash Flow | $365 | $350 |
City averages based on Ashford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,776 |
| Total Monthly Debt Service | $1,312 |
| DSCR Ratio | 1.35x |
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 2020
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36312, Ashford, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,977 (100%) |
| Owner Occupied HU | 2,019 (67.8%) |
| Renter Occupied HU | 690 (23.2%) |
| Vacant Housing Units | 268 ( 9.0%) |
| Median Home Value | $217,007 |
| Average Home Value | $245,414 |
Housing Distribution
Address Breakdown
Residential
2,682
Single Family
2,676
Multi-Family
6
Businesses
124
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 2020
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36312, Ashford, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,977 (100%) |
| Owner Occupied HU | 2,019 (67.8%) |
| Renter Occupied HU | 690 (23.2%) |
| Vacant Housing Units | 268 ( 9.0%) |
| Median Home Value | $217,007 |
| Average Home Value | $245,414 |
Housing Distribution
Address Breakdown
Residential
2,682
Single Family
2,676
Multi-Family
6
Businesses
124
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices