1246 30th StValleyAL36854
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 1246 30th St, Valley, AL, 36854 in Valley fits: $255,000, 5.08% gross yield, and a projected 5% annual appreciation rate adding $70,452 in value within five years. Rental yield 5.08%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.94) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $2,349/yr in principal paydown and $70,452 in appreciation project a total return of $72,947.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 7.5% |
| Monthly Cash Flow | $(359) | $300 |
City averages based on Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,080 |
| Total Monthly Debt Service | $1,338 |
| DSCR Ratio | 0.81x |
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 2025
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36854, Valley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,708 (100%) |
| Owner Occupied HU | 4,470 (58.0%) |
| Renter Occupied HU | 2,275 (29.5%) |
| Vacant Housing Units | 963 (12.5%) |
| Median Home Value | $173,164 |
| Average Home Value | $216,190 |
Housing Distribution
Address Breakdown
Residential
7,192
Single Family
6,150
Multi-Family
1,042
Businesses
393
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 2025
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36854, Valley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,708 (100%) |
| Owner Occupied HU | 4,470 (58.0%) |
| Renter Occupied HU | 2,275 (29.5%) |
| Vacant Housing Units | 963 (12.5%) |
| Median Home Value | $173,164 |
| Average Home Value | $216,190 |
Housing Distribution
Address Breakdown
Residential
7,192
Single Family
6,150
Multi-Family
1,042
Businesses
393
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices