111 Loyola CirAlabasterAL35080
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 111 Loyola Cir, Alabaster, AL, 35080 in Alabaster is narrow, $196/mo net on $1,604/mo rent after the $2,023/mo debt service, but the property operates at break-even-plus, not a loss. At $449,900 with a 7.55% yield, the long-run equity case via 5% appreciation ($124,299 over five years) and $4,144/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 0.79 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $103,647.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 8.0% |
| Monthly Cash Flow | $196 | $250 |
City averages based on Alabaster market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,604 |
| Total Monthly Debt Service | $2,455 |
| DSCR Ratio | 0.65x |
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 1995
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35080, Helena, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,287 (100%) |
| Owner Occupied HU | 6,454 (88.6%) |
| Renter Occupied HU | 712 ( 9.8%) |
| Vacant Housing Units | 121 ( 1.7%) |
| Median Home Value | $300,000 |
| Average Home Value | $341,545 |
Housing Distribution
Address Breakdown
Residential
7,372
Single Family
7,272
Multi-Family
100
Businesses
436
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 1995
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35080, Helena, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,287 (100%) |
| Owner Occupied HU | 6,454 (88.6%) |
| Renter Occupied HU | 712 ( 9.8%) |
| Vacant Housing Units | 121 ( 1.7%) |
| Median Home Value | $300,000 |
| Average Home Value | $341,545 |
Housing Distribution
Address Breakdown
Residential
7,372
Single Family
7,272
Multi-Family
100
Businesses
436
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Margie Beth Shaw • Keller Williams Realty Vestavia
Mls Name: GALMLS
Mls Provider:
Mls ID: #21414793
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.