121 Sumners RdHortonAL35980
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Horton at 121 Sumners Rd, Horton, AL, 35980 projects strong ROI of 4.43%. Rental yield 1.63%. With 5% annual appreciation, the property builds $745,960 in value over five years. Equity growth combined delivers a projected five-year ROI of 35.69%, translating into $272,233 in total cumulative return on $762,750 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.6% | 12.0% |
| Monthly Cash Flow | $(11,579) | $300 |
City averages based on Horton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,661 |
| Total Monthly Debt Service | $14,166 |
| DSCR Ratio | 0.26x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2004
144 Acres 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
Single Family
Built in 2004
144 Acres 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