130 Park Dr NClantonAL35045
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.42% yield at 130 Park Dr N, Clanton, AL, 35045 in Clanton is solid, but the $1,142/mo payment compresses net cash flow to $136/mo at $254,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $70,176 by year five, and $2,339/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.37) without U.S. income documentation. Total projected return: $104,527.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.2% |
| Monthly Cash Flow | $136 | $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 | $1,570 |
| Total Monthly Debt Service | $1,333 |
| DSCR Ratio | 1.18x |
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
9,450 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35045, Clanton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,508 (100%) |
| Owner Occupied HU | 4,206 (64.6%) |
| Renter Occupied HU | 1,727 (26.5%) |
| Vacant Housing Units | 575 ( 8.8%) |
| Median Home Value | $184,369 |
| Average Home Value | $199,867 |
Housing Distribution
Address Breakdown
Residential
6,540
Single Family
6,452
Multi-Family
88
Businesses
600
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
9,450 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35045, Clanton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,508 (100%) |
| Owner Occupied HU | 4,206 (64.6%) |
| Renter Occupied HU | 1,727 (26.5%) |
| Vacant Housing Units | 575 ( 8.8%) |
| Median Home Value | $184,369 |
| Average Home Value | $199,867 |
Housing Distribution
Address Breakdown
Residential
6,540
Single Family
6,452
Multi-Family
88
Businesses
600
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices