212 Fennell StSumitonAL35148
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 212 Fennell St, Sumiton, AL, 35148 in Sumiton is listed at $314,000 and delivers $2,233/mo in rent and $461/mo in net monthly cash flow. The 8.53% yield and 1.58 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $86,752 over five years, and $2,892/yr in principal reduction supplements cash return. Total projected cumulative return: $147,977.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 7.0% |
| Monthly Cash Flow | $461 | $300 |
City averages based on Sumiton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,233 |
| Total Monthly Debt Service | $1,647 |
| DSCR Ratio | 1.36x |
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 1968
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35148, Sumiton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,143 (100%) |
| Owner Occupied HU | 734 (64.2%) |
| Renter Occupied HU | 286 (25.0%) |
| Vacant Housing Units | 123 (10.8%) |
| Median Home Value | $156,507 |
| Average Home Value | $177,371 |
Housing Distribution
Address Breakdown
Residential
1,077
Single Family
1,077
Multi-Family
0
Businesses
180
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 1968
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35148, Sumiton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,143 (100%) |
| Owner Occupied HU | 734 (64.2%) |
| Renter Occupied HU | 286 (25.0%) |
| Vacant Housing Units | 123 (10.8%) |
| Median Home Value | $156,507 |
| Average Home Value | $177,371 |
Housing Distribution
Address Breakdown
Residential
1,077
Single Family
1,077
Multi-Family
0
Businesses
180
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Daniel Demers • Sell Your Home Services
Mls Name: GALMLS
Mls Provider:
Mls ID: #21398865
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.