12644 White Pine DrNorthportAL35475
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 12644 White Pine Dr, Northport, AL, 35475 in Northport delivers $3,066/mo in gross rent and $564/mo in net monthly income at a $443,200 entry. The 8.3% yield and 1.54 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $122,448 over five years and $4,082/yr in equity from loan paydown, total projected return is $203,315.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $564 | $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 | $3,066 |
| Total Monthly Debt Service | $2,325 |
| DSCR Ratio | 1.32x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35475, Northport, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,630 (100%) |
| Owner Occupied HU | 7,087 (82.1%) |
| Renter Occupied HU | 773 ( 9.0%) |
| Vacant Housing Units | 770 ( 8.9%) |
| Median Home Value | $344,397 |
| Average Home Value | $388,751 |
Housing Distribution
Address Breakdown
Residential
7,347
Single Family
7,322
Multi-Family
25
Businesses
129
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35475, Northport, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,630 (100%) |
| Owner Occupied HU | 7,087 (82.1%) |
| Renter Occupied HU | 773 ( 9.0%) |
| Vacant Housing Units | 770 ( 8.9%) |
| Median Home Value | $344,397 |
| Average Home Value | $388,751 |
Housing Distribution
Address Breakdown
Residential
7,347
Single Family
7,322
Multi-Family
25
Businesses
129
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices