1853 Pine Ridge RdKellytonAL35089
INVESTMENT ANALYSIS
Investment Verdict
Solid Income1853 Pine Ridge Rd, Kellyton, AL, 35089 in Kellyton is a solid income-producing rental, 9.36% gross yield, $971/mo rent, $268/mo net cash flow on a $124,500 buy. DSCR 1.73 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $34,397 and $1,147/yr in principal reduction project a total cumulative return of $64,187.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.0% |
| Monthly Cash Flow | $268 | $300 |
City averages based on Kellyton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $971 |
| Total Monthly Debt Service | $653 |
| 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 1970
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35089, Kellyton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 936 (100%) |
| Owner Occupied HU | 560 (59.8%) |
| Renter Occupied HU | 211 (22.5%) |
| Vacant Housing Units | 165 (17.6%) |
| Median Home Value | $111,076 |
| Average Home Value | $159,192 |
Housing Distribution
Address Breakdown
Residential
786
Single Family
786
Multi-Family
0
Businesses
41
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 1970
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35089, Kellyton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 936 (100%) |
| Owner Occupied HU | 560 (59.8%) |
| Renter Occupied HU | 211 (22.5%) |
| Vacant Housing Units | 165 (17.6%) |
| Median Home Value | $111,076 |
| Average Home Value | $159,192 |
Housing Distribution
Address Breakdown
Residential
786
Single Family
786
Multi-Family
0
Businesses
41
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bill Whatley • First Realty
Mls Name: LMMLS
Mls Provider:
Mls ID: #25-1921
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. The listing brokers offer of compensation is made only to participants of the MLS where the listing is filed.