111 County Road 574JemisonAL35085
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.98% gross rental yield, 111 County Road 574, Jemison, AL, 35085 in Jemison is priced for capital growth, not immediate cash flow. The $397,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $109,684 by year five, with $3,656/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.11) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $132,788.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 7.5% |
| Monthly Cash Flow | $(262) | $250 |
City averages based on Jemison market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,979 |
| Total Monthly Debt Service | $2,083 |
| DSCR Ratio | 0.95x |
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 2025
0.87 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35085, Jemison, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,885 (100%) |
| Owner Occupied HU | 2,808 (72.3%) |
| Renter Occupied HU | 722 (18.6%) |
| Vacant Housing Units | 355 ( 9.1%) |
| Median Home Value | $158,621 |
| Average Home Value | $196,735 |
Housing Distribution
Address Breakdown
Residential
3,654
Single Family
3,606
Multi-Family
48
Businesses
178
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 2025
0.87 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35085, Jemison, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,885 (100%) |
| Owner Occupied HU | 2,808 (72.3%) |
| Renter Occupied HU | 722 (18.6%) |
| Vacant Housing Units | 355 ( 9.1%) |
| Median Home Value | $158,621 |
| Average Home Value | $196,735 |
Housing Distribution
Address Breakdown
Residential
3,654
Single Family
3,606
Multi-Family
48
Businesses
178
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michelle Hyde • RealtySouth-Shelby Office
Mls Name: GALMLS
Mls Provider:
Mls ID: #21403583
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.