12565 Pineapple HwyForest HomeAL36030
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play12565 Pineapple Hwy, Forest Home, AL, 36030 in Forest Home is priced for appreciation, not yield. Rental yield 4.85%. At $199,000 with a 4.85% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $54,980 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.90) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $54,438.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.2% |
| Monthly Cash Flow | $(319) | $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 | $804 |
| Total Monthly Debt Service | $1,044 |
| DSCR Ratio | 0.77x |
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 1979
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36030, Forest Home, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 247 (100%) |
| Owner Occupied HU | 138 (55.9%) |
| Renter Occupied HU | 40 (16.2%) |
| Vacant Housing Units | 69 (27.9%) |
| Median Home Value | $152,941 |
| Average Home Value | $148,025 |
Housing Distribution
Address Breakdown
Residential
202
Single Family
202
Multi-Family
0
Businesses
8
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 1979
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36030, Forest Home, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 247 (100%) |
| Owner Occupied HU | 138 (55.9%) |
| Renter Occupied HU | 40 (16.2%) |
| Vacant Housing Units | 69 (27.9%) |
| Median Home Value | $152,941 |
| Average Home Value | $148,025 |
Housing Distribution
Address Breakdown
Residential
202
Single Family
202
Multi-Family
0
Businesses
8
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Todd Edwards • Whitetail Properties Real Estate, LLC
Mls Name: My State MLS
Mls ID: #11572205