1180 County Road 542VerbenaAL36091
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 1180 County Road 542, Verbena, AL, 36091 in Verbena: $3,635/mo in rent, $592/mo in net income, 8.09% gross yield, 1.50 DSCR, all at $539,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $148,916 in appreciation and $4,964/yr in principal paydown projects total cumulative return of $241,218.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 7.0% |
| Monthly Cash Flow | $592 | $300 |
City averages based on Verbena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,635 |
| Total Monthly Debt Service | $2,828 |
| DSCR Ratio | 1.29x |
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 2015
0.94 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36091, Verbena, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,733 (100%) |
| Owner Occupied HU | 1,190 (68.7%) |
| Renter Occupied HU | 349 (20.1%) |
| Vacant Housing Units | 194 (11.2%) |
| Median Home Value | $122,826 |
| Average Home Value | $207,876 |
Housing Distribution
Address Breakdown
Residential
1,691
Single Family
1,691
Multi-Family
0
Businesses
53
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 2015
0.94 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36091, Verbena, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,733 (100%) |
| Owner Occupied HU | 1,190 (68.7%) |
| Renter Occupied HU | 349 (20.1%) |
| Vacant Housing Units | 194 (11.2%) |
| Median Home Value | $122,826 |
| Average Home Value | $207,876 |
Housing Distribution
Address Breakdown
Residential
1,691
Single Family
1,691
Multi-Family
0
Businesses
53
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tresha Lowery • EXIT Royal Realty
Mls Name: GALMLS
Mls Provider:
Mls ID: #21419564
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.