115 Hilltop DrEvergreenAL36401
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow115 Hilltop Dr, Evergreen, AL, 36401 in Evergreen earns its strong cash-flow label: 10.69% yield, $2,315/mo rent, $848/mo net income, DSCR 1.98. The $259,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $71,806 by year five. Combined with $2,394/yr in principal paydown, total projected return reaches $152,544.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.0% |
| Monthly Cash Flow | $848 | $400 |
City averages based on Evergreen market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,315 |
| Total Monthly Debt Service | $1,364 |
| DSCR Ratio | 1.70x |
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 1972
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36401, Evergreen, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,762 (100%) |
| Owner Occupied HU | 1,965 (52.2%) |
| Renter Occupied HU | 969 (25.8%) |
| Vacant Housing Units | 828 (22.0%) |
| Median Home Value | $120,947 |
| Average Home Value | $148,519 |
Housing Distribution
Address Breakdown
Residential
3,346
Single Family
3,083
Multi-Family
263
Businesses
383
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 1972
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36401, Evergreen, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,762 (100%) |
| Owner Occupied HU | 1,965 (52.2%) |
| Renter Occupied HU | 969 (25.8%) |
| Vacant Housing Units | 828 (22.0%) |
| Median Home Value | $120,947 |
| Average Home Value | $148,519 |
Housing Distribution
Address Breakdown
Residential
3,346
Single Family
3,083
Multi-Family
263
Businesses
383
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices