11 Eddy St NWHuntsvilleAL35806
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 11 Eddy St NW, Huntsville, AL, 35806 in Huntsville is capital appreciation. Rental yield 3.45%. The 3.45% gross yield at $994,750 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $274,831 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.64) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $188,134.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 6.1% |
| Monthly Cash Flow | $(2,912) | $420 |
City averages based on Huntsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,863 |
| Total Monthly Debt Service | $5,380 |
| DSCR Ratio | 0.53x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
6,960 sqft lot
$N/A/sqft
$1,925 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35806, Huntsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,556 (100%) |
| Owner Occupied HU | 5,970 (34.0%) |
| Renter Occupied HU | 9,071 (51.7%) |
| Vacant Housing Units | 2,515 (14.3%) |
| Median Home Value | $355,774 |
| Average Home Value | $387,949 |
Housing Distribution
Address Breakdown
Residential
15,874
Single Family
10,019
Multi-Family
5,855
Businesses
1,425
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
6,960 sqft lot
$N/A/sqft
$1,925 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35806, Huntsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,556 (100%) |
| Owner Occupied HU | 5,970 (34.0%) |
| Renter Occupied HU | 9,071 (51.7%) |
| Vacant Housing Units | 2,515 (14.3%) |
| Median Home Value | $355,774 |
| Average Home Value | $387,949 |
Housing Distribution
Address Breakdown
Residential
15,874
Single Family
10,019
Multi-Family
5,855
Businesses
1,425
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kim McDowell • Village of Providence Realty
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21845203
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