14 Pawtucket St NWHuntsvilleAL35806
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 14 Pawtucket St NW, Huntsville, AL, 35806 in Huntsville at $895,000, 5.64% gross yield, is a market-growth asset. Rental yield 5.64%. The $4,210/mo rent partially funds the $4,024/mo debt service; the core return is the 5%/yr price growth projected to add $247,272 over five years. Ziffy Mortgage's DSCR mortgage (1.05) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $283,107.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.1% |
| Monthly Cash Flow | $(842) | $420 |
City averages based on Huntsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,210 |
| Total Monthly Debt Service | $4,696 |
| DSCR Ratio | 0.90x |
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 2007
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35806, Huntsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,556 (100%) |
| Owner Occupied HU | 5,970 (34.0%) |
| Renter Occupied HU | 9,071 (51.7%) |
| Vacant Housing Units | 2,515 (14.3%) |
| Median Home Value | $355,774 |
| Average Home Value | $387,949 |
Housing Distribution
Address Breakdown
Residential
15,874
Single Family
10,019
Multi-Family
5,855
Businesses
1,425
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 2007
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35806, Huntsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,556 (100%) |
| Owner Occupied HU | 5,970 (34.0%) |
| Renter Occupied HU | 9,071 (51.7%) |
| Vacant Housing Units | 2,515 (14.3%) |
| Median Home Value | $355,774 |
| Average Home Value | $387,949 |
Housing Distribution
Address Breakdown
Residential
15,874
Single Family
10,019
Multi-Family
5,855
Businesses
1,425
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carl Randal • KW Huntsville Keller Williams
Mls Name: ValleyMLS
Mls ID: #21898586