185 Jemison Trails DrJemisonAL35085
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 185 Jemison Trails Dr, Jemison, AL, 35085 in Jemison is straightforward: $220,340 in, $1,502/mo in rent, $233/mo out after debt service. The 8.18% gross yield and 1.52 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $60,876 by year five. With $2,029/yr in principal equity, the total cumulative return is projected at $99,654.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.5% |
| Monthly Cash Flow | $233 | $250 |
City averages based on Jemison market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,502 |
| Total Monthly Debt Service | $1,156 |
| DSCR Ratio | 1.30x |
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 2026
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35085, Jemison, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,885 (100%) |
| Owner Occupied HU | 2,808 (72.3%) |
| Renter Occupied HU | 722 (18.6%) |
| Vacant Housing Units | 355 ( 9.1%) |
| Median Home Value | $158,621 |
| Average Home Value | $196,735 |
Housing Distribution
Address Breakdown
Residential
3,654
Single Family
3,606
Multi-Family
48
Businesses
178
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 2026
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35085, Jemison, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,885 (100%) |
| Owner Occupied HU | 2,808 (72.3%) |
| Renter Occupied HU | 722 (18.6%) |
| Vacant Housing Units | 355 ( 9.1%) |
| Median Home Value | $158,621 |
| Average Home Value | $196,735 |
Housing Distribution
Address Breakdown
Residential
3,654
Single Family
3,606
Multi-Family
48
Businesses
178
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices