109 Vickery CtHuntsvilleAL35810
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 109 Vickery Ct, Huntsville, AL, 35810 in Huntsville is narrow, $199/mo net on $1,970/mo rent after the $1,411/mo debt service, but the property operates at break-even-plus, not a loss. At $313,900 with a 7.53% yield, the long-run equity case via 5% appreciation ($86,725 over five years) and $2,891/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.40 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $131,085.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.1% |
| Monthly Cash Flow | $199 | $420 |
City averages based on Huntsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,970 |
| Total Monthly Debt Service | $1,647 |
| DSCR Ratio | 1.20x |
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
5,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35810, Huntsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,650 (100%) |
| Owner Occupied HU | 7,205 (57.0%) |
| Renter Occupied HU | 4,421 (34.9%) |
| Vacant Housing Units | 1,024 ( 8.1%) |
| Median Home Value | $163,913 |
| Average Home Value | $245,813 |
Housing Distribution
Address Breakdown
Residential
12,609
Single Family
11,897
Multi-Family
712
Businesses
736
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
5,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35810, Huntsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,650 (100%) |
| Owner Occupied HU | 7,205 (57.0%) |
| Renter Occupied HU | 4,421 (34.9%) |
| Vacant Housing Units | 1,024 ( 8.1%) |
| Median Home Value | $163,913 |
| Average Home Value | $245,813 |
Housing Distribution
Address Breakdown
Residential
12,609
Single Family
11,897
Multi-Family
712
Businesses
736
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Candy Holley • Adams Homes LLC
Mls Name: ValleyMLS
Mls ID: #21903208