205 Joe St, Lincoln, AL, 35096 | $195/mo Cash Flow

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Lincoln at 205 Joe St, Lincoln, AL, 35096 with 5% annual appreciation on a $325,000 basis while $2,030/mo rent supports operations. Total monthly income totals $2,030/mo and a $1,591/mo payment preserves $195/mo for cash returns. Annual cash flow comes to $2,343/yr on $107,738 deployed, and return on cash invested reaches 22.08% in year one. Equity gained on principal adds $2,097/yr, and five-year appreciation sums $89,792 alongside rental yield of 7.5%. Five-year ROI measures 113.82% and total cumulative return in cash totals $122,629.

Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $2,030/mo property income versus a $1,591/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.

Single Family

Built in 2000

0.51 Acres lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 35096, Lincoln, AL area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	4,362 (100%)
Owner Occupied HU	2,979 (68.3%)
Renter Occupied HU	695 (15.9%)
Vacant Housing Units	688 (15.8%)
Median Home Value	$214,336
Average Home Value	$316,954