167 Riverridge DrHelenaAL35080
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 167 Riverridge Dr, Helena, AL, 35080 in Helena fits: $845,900, 3.57% gross yield, and a projected 5% annual appreciation rate adding $233,707 in value within five years. Rental yield 3.57%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.66) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $7,791/yr in principal paydown and $233,707 in appreciation project a total return of $170,323.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 8.0% |
| Monthly Cash Flow | $(2,310) | $300 |
City averages based on Helena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,514 |
| Total Monthly Debt Service | $4,487 |
| DSCR Ratio | 0.56x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2023
4 Acres lot
$N/A/sqft
$587 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35080, Helena, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,287 (100%) |
| Owner Occupied HU | 6,454 (88.6%) |
| Renter Occupied HU | 712 ( 9.8%) |
| Vacant Housing Units | 121 ( 1.7%) |
| Median Home Value | $300,000 |
| Average Home Value | $341,545 |
Housing Distribution
Address Breakdown
Residential
7,372
Single Family
7,272
Multi-Family
100
Businesses
436
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 2023
4 Acres lot
$N/A/sqft
$587 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35080, Helena, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,287 (100%) |
| Owner Occupied HU | 6,454 (88.6%) |
| Renter Occupied HU | 712 ( 9.8%) |
| Vacant Housing Units | 121 ( 1.7%) |
| Median Home Value | $300,000 |
| Average Home Value | $341,545 |
Housing Distribution
Address Breakdown
Residential
7,372
Single Family
7,272
Multi-Family
100
Businesses
436
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lauren Armstrong • eXp Realty, LLC Central
Mls Name: GALMLS
Mls Provider:
Mls ID: #21379941
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.