13020 Percivale Dr SEHuntsvilleAL35803
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 13020 Percivale Dr SE, Huntsville, AL, 35803 in Huntsville worth study. Rental yield 5.76%. The 5.76% gross yield is below cash-flow benchmarks at $424,900, but 5% annual appreciation, adding $117,392 over five years, frames this as a capital growth position. Rent of $2,040/mo partially offsets the $1,911/mo payment. Ziffy Mortgage finances appreciation-play properties (1.07 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $137,054.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.1% |
| Monthly Cash Flow | $(358) | $420 |
City averages based on Huntsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,040 |
| Total Monthly Debt Service | $2,229 |
| DSCR Ratio | 0.92x |
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 1982
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35803, Huntsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,171 (100%) |
| Owner Occupied HU | 10,027 (76.1%) |
| Renter Occupied HU | 2,367 (18.0%) |
| Vacant Housing Units | 777 ( 5.9%) |
| Median Home Value | $326,837 |
| Average Home Value | $368,110 |
Housing Distribution
Address Breakdown
Residential
13,302
Single Family
12,541
Multi-Family
761
Businesses
409
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 1982
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35803, Huntsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,171 (100%) |
| Owner Occupied HU | 10,027 (76.1%) |
| Renter Occupied HU | 2,367 (18.0%) |
| Vacant Housing Units | 777 ( 5.9%) |
| Median Home Value | $326,837 |
| Average Home Value | $368,110 |
Housing Distribution
Address Breakdown
Residential
13,302
Single Family
12,541
Multi-Family
761
Businesses
409
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kelsey Zwack Pizzato • Keller Williams Realty
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21887175
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