126 Oneal LnGuntersvilleAL35976
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 126 Oneal Ln, Guntersville, AL, 35976 in Guntersville speaks for itself: 10.58% gross on a $349,900 price, generating $3,085/mo in rent and $1,110/mo in net income after the $1,573/mo debt service. DSCR 1.96, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $13,322 stacks alongside $96,671 in projected five-year appreciation and $3,223/yr in principal reduction. Projected total cumulative return: $203,314.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 7.5% |
| Monthly Cash Flow | $1,110 | $800 |
City averages based on Guntersville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,085 |
| Total Monthly Debt Service | $1,836 |
| DSCR Ratio | 1.68x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 2006
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35976, Guntersville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,901 (100%) |
| Owner Occupied HU | 5,692 (63.9%) |
| Renter Occupied HU | 2,042 (22.9%) |
| Vacant Housing Units | 1,167 (13.1%) |
| Median Home Value | $309,624 |
| Average Home Value | $355,881 |
Housing Distribution
Address Breakdown
Residential
8,133
Single Family
7,824
Multi-Family
309
Businesses
939
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 2006
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35976, Guntersville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,901 (100%) |
| Owner Occupied HU | 5,692 (63.9%) |
| Renter Occupied HU | 2,042 (22.9%) |
| Vacant Housing Units | 1,167 (13.1%) |
| Median Home Value | $309,624 |
| Average Home Value | $355,881 |
Housing Distribution
Address Breakdown
Residential
8,133
Single Family
7,824
Multi-Family
309
Businesses
939
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Trenten Hammond • South Towne Realtors, LLC
Mls Name: ValleyMLS
Mls ID: #21895175