200 Cynthia DrSmiths StationAL36877
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 200 Cynthia Dr, Smiths Station, AL, 36877 in Smiths Station: $984/mo in rent, $286/mo in net income, 9.5% gross yield, 1.74 DSCR, all at $125,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $34,784 in appreciation and $1,160/yr in principal paydown projects total cumulative return of $65,054.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $286 | $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 | $984 |
| Total Monthly Debt Service | $661 |
| DSCR Ratio | 1.49x |
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 1959
0.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36877, Smiths, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,603 (100%) |
| Owner Occupied HU | 3,741 (66.8%) |
| Renter Occupied HU | 1,540 (27.5%) |
| Vacant Housing Units | 322 ( 5.7%) |
| Median Home Value | $289,532 |
| Average Home Value | $326,925 |
Housing Distribution
Address Breakdown
Residential
5,334
Single Family
5,052
Multi-Family
282
Businesses
243
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 1959
0.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36877, Smiths, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,603 (100%) |
| Owner Occupied HU | 3,741 (66.8%) |
| Renter Occupied HU | 1,540 (27.5%) |
| Vacant Housing Units | 322 ( 5.7%) |
| Median Home Value | $289,532 |
| Average Home Value | $326,925 |
Housing Distribution
Address Breakdown
Residential
5,334
Single Family
5,052
Multi-Family
282
Businesses
243
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kristina Finney • Keller Williams Realty River C
Mls Name: East Alabama BOR
Mls Provider:
Mls ID: #E100915
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.