19560 Us Highway 31 NVinemontAL35179
INVESTMENT ANALYSIS
Investment Verdict
Solid Income19560 Us Highway 31 N, Vinemont, AL, 35179 in Vinemont is a solid income-producing rental, 8.09% gross yield, $2,023/mo rent, $330/mo net cash flow on a $300,000 buy. DSCR 1.50 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $82,884 and $2,763/yr in principal reduction project a total cumulative return of $134,248.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.5% |
| Monthly Cash Flow | $330 | $300 |
City averages based on Vinemont market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,023 |
| Total Monthly Debt Service | $1,574 |
| DSCR Ratio | 1.29x |
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 1965
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35179, Vinemont, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,138 (100%) |
| Owner Occupied HU | 3,133 (75.7%) |
| Renter Occupied HU | 745 (18.0%) |
| Vacant Housing Units | 260 ( 6.3%) |
| Median Home Value | $234,165 |
| Average Home Value | $305,290 |
Housing Distribution
Address Breakdown
Residential
4,121
Single Family
4,121
Multi-Family
0
Businesses
165
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 1965
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35179, Vinemont, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,138 (100%) |
| Owner Occupied HU | 3,133 (75.7%) |
| Renter Occupied HU | 745 (18.0%) |
| Vacant Housing Units | 260 ( 6.3%) |
| Median Home Value | $234,165 |
| Average Home Value | $305,290 |
Housing Distribution
Address Breakdown
Residential
4,121
Single Family
4,121
Multi-Family
0
Businesses
165
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
