147 Summer StOpelikaAL36801
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 147 Summer St, Opelika, AL, 36801 in Opelika at $258,480 earns $1,756/mo in rent and nets $157/mo after the $1,162/mo payment, a 8.15% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $71,413 over five years. Ziffy Mortgage underwrites this on a 1.51 DSCR without U.S. credit history. With $2,381/yr in principal paydown, total projected return reaches $108,170.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.8% |
| Monthly Cash Flow | $157 | $420 |
City averages based on Opelika market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,756 |
| Total Monthly Debt Service | $1,496 |
| DSCR Ratio | 1.17x |
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.
Townhouse
Built in 2024
3,484 sqft lot
$N/A/sqft
$140 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36801, Opelika, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,929 (100%) |
| Owner Occupied HU | 6,174 (51.8%) |
| Renter Occupied HU | 4,873 (40.9%) |
| Vacant Housing Units | 882 ( 7.4%) |
| Median Home Value | $257,616 |
| Average Home Value | $280,849 |
Housing Distribution
Address Breakdown
Residential
11,424
Single Family
9,714
Multi-Family
1,710
Businesses
1,313
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
Townhouse
Built in 2024
3,484 sqft lot
$N/A/sqft
$140 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36801, Opelika, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,929 (100%) |
| Owner Occupied HU | 6,174 (51.8%) |
| Renter Occupied HU | 4,873 (40.9%) |
| Vacant Housing Units | 882 ( 7.4%) |
| Median Home Value | $257,616 |
| Average Home Value | $280,849 |
Housing Distribution
Address Breakdown
Residential
11,424
Single Family
9,714
Multi-Family
1,710
Businesses
1,313
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: TAFT LEDBETTER • HOLLAND HOME SALES
Mls Name: LCMLS
Mls ID: #171520
Disclaimer: The data relating to real estate for sale on this web-site comes in part from the Internet Data Exchange Program of Lee County Association of REALTORS. Information is deemed reliable but is not guaranteed.