1195 Welcome Home Church RdHortonAL35980
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 1195 Welcome Home Church Rd, Horton, AL, 35980 in Horton deserves attention. This $268,300 property earns $2,255/mo in rent, a 10.08% gross yield, and nets $740/mo after the $1,206/mo payment. DSCR 1.87 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $74,126 compounds alongside $2,471/yr in yearly equity build, for a total cumulative return of $148,799.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 12.0% |
| Monthly Cash Flow | $740 | $300 |
City averages based on Horton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,255 |
| Total Monthly Debt Service | $1,408 |
| DSCR Ratio | 1.60x |
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.
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35980, Horton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,016 (100%) |
| Owner Occupied HU | 1,495 (74.2%) |
| Renter Occupied HU | 381 (18.9%) |
| Vacant Housing Units | 140 ( 6.9%) |
| Median Home Value | $193,899 |
| Average Home Value | $225,803 |
Housing Distribution
Address Breakdown
Residential
2,063
Single Family
2,063
Multi-Family
0
Businesses
39
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
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35980, Horton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,016 (100%) |
| Owner Occupied HU | 1,495 (74.2%) |
| Renter Occupied HU | 381 (18.9%) |
| Vacant Housing Units | 140 ( 6.9%) |
| Median Home Value | $193,899 |
| Average Home Value | $225,803 |
Housing Distribution
Address Breakdown
Residential
2,063
Single Family
2,063
Multi-Family
0
Businesses
39
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices