1456 Herman Williams RdFruitdaleAL36539
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 1456 Herman Williams Rd, Fruitdale, AL, 36539 in Fruitdale earns a 9.35% gross yield at $100,000. Rent of $779/mo nets $215/mo after the $450/mo mortgage. The 1.73 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $27,628 and $921/yr in equity accumulation project a total cumulative return of $51,461.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 8.5% |
| Monthly Cash Flow | $215 | $1,200 |
City averages based on Fruitdale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $779 |
| Total Monthly Debt Service | $525 |
| DSCR Ratio | 1.48x |
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 1975
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36539, Fruitdale, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 335 (100%) |
| Owner Occupied HU | 246 (73.4%) |
| Renter Occupied HU | 38 (11.3%) |
| Vacant Housing Units | 51 (15.2%) |
| Median Home Value | $190,278 |
| Average Home Value | $165,803 |
Housing Distribution
Address Breakdown
Residential
319
Single Family
319
Multi-Family
0
Businesses
27
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 1975
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36539, Fruitdale, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 335 (100%) |
| Owner Occupied HU | 246 (73.4%) |
| Renter Occupied HU | 38 (11.3%) |
| Vacant Housing Units | 51 (15.2%) |
| Median Home Value | $190,278 |
| Average Home Value | $165,803 |
Housing Distribution
Address Breakdown
Residential
319
Single Family
319
Multi-Family
0
Businesses
27
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christy Gustin • Bellator Real Estate LLC
Mls Name: GCMLS
Mls Provider:
Mls ID: #7479091
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.