20977 Cairo Hollow RdAthensAL35614
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 20977 Cairo Hollow Rd, Athens, AL, 35614 in Athens is straightforward: $149,900 in, $1,157/mo in rent, $311/mo out after debt service. The 9.26% gross yield and 1.72 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $41,415 by year five. With $1,381/yr in principal equity, the total cumulative return is projected at $76,511.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.8% |
| Monthly Cash Flow | $311 | $850 |
City averages based on Athens market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,157 |
| Total Monthly Debt Service | $786 |
| DSCR Ratio | 1.47x |
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.
Manufactured
Built in N/A
0.49 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
Manufactured
Built in N/A
0.49 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
Listed by: Chase Spitzer • Legend Realty Madison, LLC
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21892547
Disclaimer: Properties marked with this icon are provided courtesy of the Valley MLS IDX Database. Some or all of the listings displayed may not belong to the firm whose website is being visited. All information provided is deemed reliable but is not guaranteed and should be independently verified. Copyright 2025 Valley MLS