205 Kirby RdHillsboroAL35643
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow205 Kirby Rd, Hillsboro, AL, 35643 in Hillsboro is a top-tier cash-flow asset. At $214,900 it produces $1,960/mo in rent and $747/mo in net monthly income, a 10.94% gross rental yield. The DSCR of 2.03 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $8,959. Five-year appreciation adds $59,373, driving a total cumulative return of $129,080.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 7.0% |
| Monthly Cash Flow | $747 | $300 |
City averages based on Hillsboro market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,960 |
| Total Monthly Debt Service | $1,127 |
| DSCR Ratio | 1.74x |
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 1974
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35643, Hillsboro, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,483 (100%) |
| Owner Occupied HU | 1,034 (69.7%) |
| Renter Occupied HU | 252 (17.0%) |
| Vacant Housing Units | 197 (13.3%) |
| Median Home Value | $136,538 |
| Average Home Value | $199,197 |
Housing Distribution
Address Breakdown
Residential
1,388
Single Family
1,388
Multi-Family
0
Businesses
74
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 1974
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35643, Hillsboro, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,483 (100%) |
| Owner Occupied HU | 1,034 (69.7%) |
| Renter Occupied HU | 252 (17.0%) |
| Vacant Housing Units | 197 (13.3%) |
| Median Home Value | $136,538 |
| Average Home Value | $199,197 |
Housing Distribution
Address Breakdown
Residential
1,388
Single Family
1,388
Multi-Family
0
Businesses
74
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices