166 Pine Ridge RdUnion SpringsAL36089
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 0% gross rental yield, 166 Pine Ridge Rd, Union Springs, AL, 36089 in Union Springs is priced for capital growth, not immediate cash flow. The $154,900 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $42,796 by year five, with $1,427/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.79) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $81,093.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0% | 6.2% |
| Monthly Cash Flow | $0 | $350 |
City averages based on Union Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,251 |
| Total Monthly Debt Service | $838 |
| DSCR Ratio | 1.49x |
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
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36089, Union Springs, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,333 (100%) |
| Owner Occupied HU | 1,836 (55.1%) |
| Renter Occupied HU | 1,050 (31.5%) |
| Vacant Housing Units | 447 (13.4%) |
| Median Home Value | $105,491 |
| Average Home Value | $160,588 |
Housing Distribution
Address Breakdown
Residential
2,856
Single Family
2,805
Multi-Family
51
Businesses
248
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
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36089, Union Springs, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,333 (100%) |
| Owner Occupied HU | 1,836 (55.1%) |
| Renter Occupied HU | 1,050 (31.5%) |
| Vacant Housing Units | 447 (13.4%) |
| Median Home Value | $105,491 |
| Average Home Value | $160,588 |
Housing Distribution
Address Breakdown
Residential
2,856
Single Family
2,805
Multi-Family
51
Businesses
248
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer Morgan • Bickerstaff Parham, LLC
Mls Name: CBORGA
Mls Provider:
Mls ID: #221360
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.