191 Railroad StPhil CampbellAL35581








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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


Investment Highlights
Rental property for sale in Phil Campbell at 191 Railroad St, Phil Campbell, AL, 35581 generates $1,331/mo in rent, after a $1,757/mo payment. Total monthly income is $1,331/mo. Return on cash invested sits at 12.9% in year one, and rental yield is 4.45% on a $359,000 entry. Equity gained on principal adds $2,317/yr, while 5% annual appreciation builds toward $99,185 over five years. Five-year ROI reaches 64.54% and total cumulative return in cash sums $76,807. For financing, investors can use Ziffy Mortgage’s DSCR loan, which considers $1,331/mo property income rather than buyer’s personal income.
Multi Family
Built in 2025
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35581, Phil Campbell, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,344 (100%) |
| Owner Occupied HU | 1,512 (64.5%) |
| Renter Occupied HU | 511 (21.8%) |
| Vacant Housing Units | 321 (13.7%) |
| Median Home Value | $154,812 |
| Average Home Value | $172,151 |
Housing Distribution
Address Breakdown
Residential
2,258
Single Family
2,234
Multi-Family
24
Businesses
85
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Listed by: Joanie Hall • Main Street Real Estate
Mls Name: Strategic MLS Alliance
Mls ID: #526671








