1102 County Road 1225VinemontAL35179
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1102 County Road 1225, Vinemont, AL, 35179 in Vinemont at $360,000 earns $2,228/mo in rent and nets $196/mo after the $1,619/mo payment, a 7.43% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $99,461 over five years. Ziffy Mortgage underwrites this on a 1.38 DSCR without U.S. credit history. With $3,316/yr in principal paydown, total projected return reaches $148,251.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.5% |
| Monthly Cash Flow | $196 | $300 |
City averages based on Vinemont market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,228 |
| Total Monthly Debt Service | $1,889 |
| DSCR Ratio | 1.18x |
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 2013
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35179, Vinemont, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,138 (100%) |
| Owner Occupied HU | 3,133 (75.7%) |
| Renter Occupied HU | 745 (18.0%) |
| Vacant Housing Units | 260 ( 6.3%) |
| Median Home Value | $234,165 |
| Average Home Value | $305,290 |
Housing Distribution
Address Breakdown
Residential
4,121
Single Family
4,121
Multi-Family
0
Businesses
165
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 2013
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35179, Vinemont, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,138 (100%) |
| Owner Occupied HU | 3,133 (75.7%) |
| Renter Occupied HU | 745 (18.0%) |
| Vacant Housing Units | 260 ( 6.3%) |
| Median Home Value | $234,165 |
| Average Home Value | $305,290 |
Housing Distribution
Address Breakdown
Residential
4,121
Single Family
4,121
Multi-Family
0
Businesses
165
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Seth Swalve • Capstone Realty Stovehouse
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21884676
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