20913 Poff LnAthensAL35614
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 20913 Poff Ln, Athens, AL, 35614 in Athens is straightforward: $185,900 in, $1,530/mo in rent, $481/mo out after debt service. The 9.88% gross yield and 1.83 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $51,361 by year five. With $1,712/yr in principal equity, the total cumulative return is projected at $101,005.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.8% |
| Monthly Cash Flow | $481 | $850 |
City averages based on Athens market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,530 |
| Total Monthly Debt Service | $975 |
| DSCR Ratio | 1.57x |
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 2001
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35614, Athens, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,686 (100%) |
| Owner Occupied HU | 2,617 (71.0%) |
| Renter Occupied HU | 769 (20.9%) |
| Vacant Housing Units | 300 ( 8.1%) |
| Median Home Value | $267,821 |
| Average Home Value | $323,535 |
Housing Distribution
Address Breakdown
Residential
3,517
Single Family
3,517
Multi-Family
0
Businesses
69
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 2001
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35614, Athens, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,686 (100%) |
| Owner Occupied HU | 2,617 (71.0%) |
| Renter Occupied HU | 769 (20.9%) |
| Vacant Housing Units | 300 ( 8.1%) |
| Median Home Value | $267,821 |
| Average Home Value | $323,535 |
Housing Distribution
Address Breakdown
Residential
3,517
Single Family
3,517
Multi-Family
0
Businesses
69
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices