1190 Rail Splitter RdPhil CampbellAL35581
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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
Investment Highlights
Investment property for sale in Phil Campbell at 1190 Rail Splitter Rd, Phil Campbell, AL, 35581 offers a 9.37% rental yield on a $199,900 purchase with $1,561/mo rent. Total monthly income registers $1,561/mo, and a $978/mo payment leaves $433/mo available for distribution. Annual cash flow reaches $5,197/yr on $66,267 to close, and return on cash invested stands at 27.75% in year one. Equity gained on principal adds $1,290/yr while 5% annual appreciation supports $55,229 over five years. Portfolio math shows five-year ROI at 144.25% and total cumulative return in cash at $95,593. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $1,561/mo property income against a $978/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.
Single Family
Built in 1979
8.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35581, Phil Campbell, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,344 (100%) |
| Owner Occupied HU | 1,512 (64.5%) |
| Renter Occupied HU | 511 (21.8%) |
| Vacant Housing Units | 321 (13.7%) |
| Median Home Value | $154,812 |
| Average Home Value | $172,151 |
Housing Distribution
Address Breakdown
Residential
2,258
Single Family
2,234
Multi-Family
24
Businesses
85
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Listed by: Hanny Witt • Main Street Real Estate
Mls Name: Strategic MLS Alliance
Mls ID: #526371