12100 Two Rivers Dr APT C-4AthensAL35611
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 12100 Two Rivers Dr APT C-4, Athens, AL, 35611 in Athens at $442,000, 4.18% gross yield, is a market-growth asset. Rental yield 4.18%. The $1,540/mo rent partially funds the $1,988/mo debt service; the core return is the 5%/yr price growth projected to add $122,116 over five years. Ziffy Mortgage's DSCR mortgage (0.77) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $87,097.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 6.8% |
| Monthly Cash Flow | $(1,255) | $850 |
City averages based on Athens market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,540 |
| Total Monthly Debt Service | $2,619 |
| DSCR Ratio | 0.59x |
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.
Condo
Built in 2007
N/A lot
$N/A/sqft
$300 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35611, Athens, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,458 (100%) |
| Owner Occupied HU | 7,619 (56.6%) |
| Renter Occupied HU | 4,425 (32.9%) |
| Vacant Housing Units | 1,414 (10.5%) |
| Median Home Value | $269,539 |
| Average Home Value | $297,129 |
Housing Distribution
Address Breakdown
Residential
12,482
Single Family
11,320
Multi-Family
1,162
Businesses
991
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
Condo
Built in 2007
N/A lot
$N/A/sqft
$300 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35611, Athens, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,458 (100%) |
| Owner Occupied HU | 7,619 (56.6%) |
| Renter Occupied HU | 4,425 (32.9%) |
| Vacant Housing Units | 1,414 (10.5%) |
| Median Home Value | $269,539 |
| Average Home Value | $297,129 |
Housing Distribution
Address Breakdown
Residential
12,482
Single Family
11,320
Multi-Family
1,162
Businesses
991
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tiffany Pack • Dream Key Real Estate
Mls Name: Strategic MLS Alliance
Mls ID: #522860
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.