19598 State Highway 26OneontaAL35121
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 19598 State Highway 26, Oneonta, AL, 35121 in Oneonta at $245,000 earns $1,440/mo in rent and nets $57/mo after the $1,102/mo payment, a 7.05% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $67,689 over five years. Ziffy Mortgage underwrites this on a 1.31 DSCR without U.S. credit history. With $2,256/yr in principal paydown, total projected return reaches $96,016.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.2% |
| Monthly Cash Flow | $57 | $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 | $1,440 |
| Total Monthly Debt Service | $1,285 |
| DSCR Ratio | 1.12x |
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 1964
5.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35121, Oneonta, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,877 (100%) |
| Owner Occupied HU | 4,695 (68.3%) |
| Renter Occupied HU | 1,583 (23.0%) |
| Vacant Housing Units | 599 ( 8.7%) |
| Median Home Value | $202,796 |
| Average Home Value | $247,068 |
Housing Distribution
Address Breakdown
Residential
6,618
Single Family
6,435
Multi-Family
183
Businesses
713
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 1964
5.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35121, Oneonta, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,877 (100%) |
| Owner Occupied HU | 4,695 (68.3%) |
| Renter Occupied HU | 1,583 (23.0%) |
| Vacant Housing Units | 599 ( 8.7%) |
| Median Home Value | $202,796 |
| Average Home Value | $247,068 |
Housing Distribution
Address Breakdown
Residential
6,618
Single Family
6,435
Multi-Family
183
Businesses
713
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices