105 21st StTownleyAL35587
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 105 21st St, Townley, AL, 35587 in Townley. At $124,900 it earns $945/mo in rent and distributes $240/mo to the owner after the $562/mo payment, a consistent 9.08% yield. DSCR 1.68 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $34,508 in value; $1,150/yr in principal paydown compounds ownership stake. Total projected return: $62,518.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 10.0% |
| Monthly Cash Flow | $240 | $300 |
City averages based on Townley market data in our database. Property projections are estimates.
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 | $945 |
| Total Monthly Debt Service | $655 |
| DSCR Ratio | 1.44x |
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.
Manufactured
Built in 2004
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35587, Townley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 411 (100%) |
| Owner Occupied HU | 313 (76.2%) |
| Renter Occupied HU | 52 (12.7%) |
| Vacant Housing Units | 46 (11.2%) |
| Median Home Value | $82,241 |
| Average Home Value | $106,486 |
Housing Distribution
Address Breakdown
Residential
418
Single Family
418
Multi-Family
0
Businesses
16
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
Manufactured
Built in 2004
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35587, Townley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 411 (100%) |
| Owner Occupied HU | 313 (76.2%) |
| Renter Occupied HU | 52 (12.7%) |
| Vacant Housing Units | 46 (11.2%) |
| Median Home Value | $82,241 |
| Average Home Value | $106,486 |
Housing Distribution
Address Breakdown
Residential
418
Single Family
418
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices