119 Holland Bridge RdRutledgeAL36071
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 119 Holland Bridge Rd, Rutledge, AL, 36071 in Rutledge: $1,073/mo in rent, $283/mo in net income, 9.2% gross yield, 1.70 DSCR, all at $139,995. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $38,678 in appreciation and $1,289/yr in principal paydown projects total cumulative return of $70,979.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $283 | $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 | $1,073 |
| Total Monthly Debt Service | $734 |
| DSCR Ratio | 1.46x |
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 1989
1.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36071, Rutledge, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 390 (100%) |
| Owner Occupied HU | 263 (67.4%) |
| Renter Occupied HU | 80 (20.5%) |
| Vacant Housing Units | 47 (12.1%) |
| Median Home Value | $113,125 |
| Average Home Value | $168,622 |
Housing Distribution
Address Breakdown
Residential
339
Single Family
339
Multi-Family
0
Businesses
18
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 1989
1.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36071, Rutledge, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 390 (100%) |
| Owner Occupied HU | 263 (67.4%) |
| Renter Occupied HU | 80 (20.5%) |
| Vacant Housing Units | 47 (12.1%) |
| Median Home Value | $113,125 |
| Average Home Value | $168,622 |
Housing Distribution
Address Breakdown
Residential
339
Single Family
339
Multi-Family
0
Businesses
18
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices