14953A Sunny Side LnCodenAL36523
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 14953A Sunny Side Ln, Coden, AL, 36523 in Coden: $2,686/mo in rent, $801/mo in net income, 9.92% gross yield, 1.84 DSCR, all at $325,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $89,792 in appreciation and $2,993/yr in principal paydown projects total cumulative return of $174,258.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.2% |
| Monthly Cash Flow | $801 | $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 | $2,686 |
| Total Monthly Debt Service | $1,756 |
| DSCR Ratio | 1.53x |
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 1955
1.63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36523, Coden, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,458 (100%) |
| Owner Occupied HU | 916 (62.8%) |
| Renter Occupied HU | 250 (17.1%) |
| Vacant Housing Units | 292 (20.0%) |
| Median Home Value | $291,216 |
| Average Home Value | $294,566 |
Housing Distribution
Address Breakdown
Residential
1,088
Single Family
1,088
Multi-Family
0
Businesses
66
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 1955
1.63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36523, Coden, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,458 (100%) |
| Owner Occupied HU | 916 (62.8%) |
| Renter Occupied HU | 250 (17.1%) |
| Vacant Housing Units | 292 (20.0%) |
| Median Home Value | $291,216 |
| Average Home Value | $294,566 |
Housing Distribution
Address Breakdown
Residential
1,088
Single Family
1,088
Multi-Family
0
Businesses
66
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stacey O'neil • Sam Winter and Company, Inc
Mls Name: GCMLS
Mls Provider:
Mls ID: #7550715
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.