1215 Maplehurst StDecaturAL35603
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 1215 Maplehurst St, Decatur, AL, 35603 in Decatur fits: $387,300, 4.46% gross yield, and a projected 5% annual appreciation rate adding $107,004 in value within five years. Rental yield 4.46%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.83) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,567/yr in principal paydown and $107,004 in appreciation project a total return of $97,923.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.2% |
| Monthly Cash Flow | $(767) | $450 |
City averages based on Decatur market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,440 |
| Total Monthly Debt Service | $2,032 |
| DSCR Ratio | 0.71x |
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 N/A
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35603, Decatur, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,772 (100%) |
| Owner Occupied HU | 9,786 (66.2%) |
| Renter Occupied HU | 4,228 (28.6%) |
| Vacant Housing Units | 758 ( 5.1%) |
| Median Home Value | $258,997 |
| Average Home Value | $295,900 |
Housing Distribution
Address Breakdown
Residential
14,489
Single Family
13,004
Multi-Family
1,485
Businesses
624
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 N/A
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35603, Decatur, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,772 (100%) |
| Owner Occupied HU | 9,786 (66.2%) |
| Renter Occupied HU | 4,228 (28.6%) |
| Vacant Housing Units | 758 ( 5.1%) |
| Median Home Value | $258,997 |
| Average Home Value | $295,900 |
Housing Distribution
Address Breakdown
Residential
14,489
Single Family
13,004
Multi-Family
1,485
Businesses
624
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices