104 W HighlandVincentAL35178
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderNot flashy, but dependably profitable, 104 W Highland, Vincent, AL, 35178 in Vincent is listed at $309,900 and delivers $2,002/mo in rent and $252/mo in net monthly cash flow. The 7.75% yield and 1.44 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $85,620 over five years, and $2,854/yr in principal reduction supplements cash return. Total projected cumulative return: $133,035.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.2% |
| Monthly Cash Flow | $252 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,002 |
| Total Monthly Debt Service | $1,626 |
| DSCR Ratio | 1.23x |
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 1969
1.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35178, Vincent, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,839 (100%) |
| Owner Occupied HU | 1,324 (72.0%) |
| Renter Occupied HU | 270 (14.7%) |
| Vacant Housing Units | 245 (13.3%) |
| Median Home Value | $260,993 |
| Average Home Value | $282,891 |
Housing Distribution
Address Breakdown
Residential
1,555
Single Family
1,555
Multi-Family
0
Businesses
48
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 1969
1.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35178, Vincent, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,839 (100%) |
| Owner Occupied HU | 1,324 (72.0%) |
| Renter Occupied HU | 270 (14.7%) |
| Vacant Housing Units | 245 (13.3%) |
| Median Home Value | $260,993 |
| Average Home Value | $282,891 |
Housing Distribution
Address Breakdown
Residential
1,555
Single Family
1,555
Multi-Family
0
Businesses
48
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices