19477 State Highway 28LindenAL36748
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Linden rentals match the income profile of 19477 State Highway 28, Linden, AL, 36748. Listed at $179,900, gross rent is $1,663/mo and net cash flow is $648/mo, a 11.09% yield well above national averages. DSCR 2.06 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $49,703 by year five with $1,657/yr in annual principal reduction, projecting $109,498 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.2% |
| Monthly Cash Flow | $648 | $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 | $1,663 |
| Total Monthly Debt Service | $944 |
| DSCR Ratio | 1.76x |
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 1978
3.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36748, Linden, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,549 (100%) |
| Owner Occupied HU | 909 (58.7%) |
| Renter Occupied HU | 377 (24.3%) |
| Vacant Housing Units | 263 (17.0%) |
| Median Home Value | $130,068 |
| Average Home Value | $157,085 |
Housing Distribution
Address Breakdown
Residential
1,523
Single Family
1,523
Multi-Family
0
Businesses
190
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 1978
3.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36748, Linden, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,549 (100%) |
| Owner Occupied HU | 909 (58.7%) |
| Renter Occupied HU | 377 (24.3%) |
| Vacant Housing Units | 263 (17.0%) |
| Median Home Value | $130,068 |
| Average Home Value | $157,085 |
Housing Distribution
Address Breakdown
Residential
1,523
Single Family
1,523
Multi-Family
0
Businesses
190
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices