19315 Saint Stephens RdMount VernonAL36560
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow19315 Saint Stephens Rd, Mount Vernon, AL, 36560 in Mount Vernon is a top-tier cash-flow asset. At $149,000 it produces $1,780/mo in rent and $939/mo in net monthly income, a 14.33% gross rental yield. The DSCR of 2.66 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $11,263. Five-year appreciation adds $41,166, driving a total cumulative return of $116,620.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 14.3% | 6.2% |
| Monthly Cash Flow | $939 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,780 |
| Total Monthly Debt Service | $782 |
| DSCR Ratio | 2.28x |
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 1962
1.21 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36560, Mount Vernon, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,548 (100%) |
| Owner Occupied HU | 1,056 (68.2%) |
| Renter Occupied HU | 261 (16.9%) |
| Vacant Housing Units | 231 (14.9%) |
| Median Home Value | $114,953 |
| Average Home Value | $151,998 |
Housing Distribution
Address Breakdown
Residential
972
Single Family
972
Multi-Family
0
Businesses
82
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 1962
1.21 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36560, Mount Vernon, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,548 (100%) |
| Owner Occupied HU | 1,056 (68.2%) |
| Renter Occupied HU | 261 (16.9%) |
| Vacant Housing Units | 231 (14.9%) |
| Median Home Value | $114,953 |
| Average Home Value | $151,998 |
Housing Distribution
Address Breakdown
Residential
972
Single Family
972
Multi-Family
0
Businesses
82
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A