120 Wolverine DrPell CityAL35125
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Pell City rental at 120 Wolverine Dr, Pell City, AL, 35125 sits in the solid-income band: 9.24% gross yield, $1,347/mo rent, $360/mo net after the $786/mo debt service, DSCR 1.71. Entry price of $174,900 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $48,322 and $1,611/yr in principal reduction bring total cumulative return to $89,089.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $360 | $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 | $1,347 |
| Total Monthly Debt Service | $918 |
| DSCR Ratio | 1.47x |
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.
Manufactured
Built in 2004
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35125, Pell City, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,729 (100%) |
| Owner Occupied HU | 3,075 (65.0%) |
| Renter Occupied HU | 1,288 (27.2%) |
| Vacant Housing Units | 366 ( 7.7%) |
| Median Home Value | $245,822 |
| Average Home Value | $272,481 |
Housing Distribution
Address Breakdown
Residential
4,571
Single Family
4,495
Multi-Family
76
Businesses
683
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
Manufactured
Built in 2004
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35125, Pell City, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,729 (100%) |
| Owner Occupied HU | 3,075 (65.0%) |
| Renter Occupied HU | 1,288 (27.2%) |
| Vacant Housing Units | 366 ( 7.7%) |
| Median Home Value | $245,822 |
| Average Home Value | $272,481 |
Housing Distribution
Address Breakdown
Residential
4,571
Single Family
4,495
Multi-Family
76
Businesses
683
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices