146 County Road 478ClantonAL35046
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 146 County Road 478, Clanton, AL, 35046 in Clanton earns a 9.1% gross yield at $262,000. Rent of $1,986/mo nets $507/mo after the $1,178/mo mortgage. The 1.69 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $72,386 and $2,413/yr in equity accumulation project a total cumulative return of $131,394.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $507 | $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 | $1,986 |
| Total Monthly Debt Service | $1,375 |
| DSCR Ratio | 1.44x |
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 1981
2.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35046, Clanton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,678 (100%) |
| Owner Occupied HU | 1,780 (66.5%) |
| Renter Occupied HU | 403 (15.0%) |
| Vacant Housing Units | 495 (18.5%) |
| Median Home Value | $184,633 |
| Average Home Value | $211,666 |
Housing Distribution
Address Breakdown
Residential
2,501
Single Family
2,501
Multi-Family
0
Businesses
307
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 1981
2.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35046, Clanton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,678 (100%) |
| Owner Occupied HU | 1,780 (66.5%) |
| Renter Occupied HU | 403 (15.0%) |
| Vacant Housing Units | 495 (18.5%) |
| Median Home Value | $184,633 |
| Average Home Value | $211,666 |
Housing Distribution
Address Breakdown
Residential
2,501
Single Family
2,501
Multi-Family
0
Businesses
307
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Charlotte Mims • EXIT Royal Realty
Mls Name: GALMLS
Mls Provider:
Mls ID: #21390351
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.