1109 Ann StButlerAL36904
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 1109 Ann St, Butler, AL, 36904 in Butler. At $198,000 it earns $1,609/mo in rent and distributes $492/mo to the owner after the $890/mo payment, a consistent 9.75% yield. DSCR 1.81 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $54,704 in value; $1,824/yr in principal paydown compounds ownership stake. Total projected return: $106,274.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.2% |
| Monthly Cash Flow | $492 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,609 |
| Total Monthly Debt Service | $1,039 |
| DSCR Ratio | 1.55x |
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 1984
1.12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36904, Butler, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,129 (100%) |
| Owner Occupied HU | 1,255 (58.9%) |
| Renter Occupied HU | 460 (21.6%) |
| Vacant Housing Units | 414 (19.4%) |
| Median Home Value | $161,711 |
| Average Home Value | $210,183 |
Housing Distribution
Address Breakdown
Residential
1,725
Single Family
1,677
Multi-Family
48
Businesses
241
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 1984
1.12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36904, Butler, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,129 (100%) |
| Owner Occupied HU | 1,255 (58.9%) |
| Renter Occupied HU | 460 (21.6%) |
| Vacant Housing Units | 414 (19.4%) |
| Median Home Value | $161,711 |
| Average Home Value | $210,183 |
Housing Distribution
Address Breakdown
Residential
1,725
Single Family
1,677
Multi-Family
48
Businesses
241
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices