149 Lovelady DrPlantersvilleAL36758
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 149 Lovelady Dr, Plantersville, AL, 36758 in Plantersville is narrow, $195/mo net on $790/mo rent after the $463/mo debt service, but the property operates at break-even-plus, not a loss. At $102,900 with a 9.21% yield, the long-run equity case via 5% appreciation ($28,429 over five years) and $948/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.71 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $52,234.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $195 | $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 | $790 |
| Total Monthly Debt Service | $540 |
| DSCR Ratio | 1.46x |
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
1.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36758, Plantersville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 643 (100%) |
| Owner Occupied HU | 464 (72.2%) |
| Renter Occupied HU | 104 (16.2%) |
| Vacant Housing Units | 75 (11.7%) |
| Median Home Value | $120,192 |
| Average Home Value | $184,423 |
Housing Distribution
Address Breakdown
Residential
579
Single Family
579
Multi-Family
0
Businesses
17
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
1.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36758, Plantersville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 643 (100%) |
| Owner Occupied HU | 464 (72.2%) |
| Renter Occupied HU | 104 (16.2%) |
| Vacant Housing Units | 75 (11.7%) |
| Median Home Value | $120,192 |
| Average Home Value | $184,423 |
Housing Distribution
Address Breakdown
Residential
579
Single Family
579
Multi-Family
0
Businesses
17
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dustin Ray Shannon • HOMESMART
Mls Name: My State MLS
Mls ID: #11361789