2175 Ogletree PlPell CityAL35125
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 2175 Ogletree Pl, Pell City, AL, 35125 in Pell City is narrow, $91/mo net on $2,094/mo rent after the $1,562/mo debt service, but the property operates at break-even-plus, not a loss. At $347,400 with a 7.23% yield, the long-run equity case via 5% appreciation ($95,980 over five years) and $3,200/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.34 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $136,985.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.2% |
| Monthly Cash Flow | $91 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,094 |
| Total Monthly Debt Service | $1,864 |
| DSCR Ratio | 1.12x |
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 2026
8,407 sqft lot
$N/A/sqft
$500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35125, Pell City, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,729 (100%) |
| Owner Occupied HU | 3,075 (65.0%) |
| Renter Occupied HU | 1,288 (27.2%) |
| Vacant Housing Units | 366 ( 7.7%) |
| Median Home Value | $245,822 |
| Average Home Value | $272,481 |
Housing Distribution
Address Breakdown
Residential
4,571
Single Family
4,495
Multi-Family
76
Businesses
683
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 2026
8,407 sqft lot
$N/A/sqft
$500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35125, Pell City, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,729 (100%) |
| Owner Occupied HU | 3,075 (65.0%) |
| Renter Occupied HU | 1,288 (27.2%) |
| Vacant Housing Units | 366 ( 7.7%) |
| Median Home Value | $245,822 |
| Average Home Value | $272,481 |
Housing Distribution
Address Breakdown
Residential
4,571
Single Family
4,495
Multi-Family
76
Businesses
683
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mellanie Wright • DHI Realty of Alabama
Mls Name: GALMLS
Mls Provider:
Mls ID: #21447445
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.