2207 43rd AvePhenix CityAL36870
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 2207 43rd Ave, Phenix City, AL, 36870 in Phenix City at $109,900 earns $760/mo in rent and nets $139/mo after the $494/mo payment, a 8.29% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $30,363 over five years. Ziffy Mortgage underwrites this on a 1.54 DSCR without U.S. credit history. With $1,012/yr in principal paydown, total projected return reaches $50,440.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 7.8% |
| Monthly Cash Flow | $139 | $420 |
City averages based on Phenix City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $760 |
| Total Monthly Debt Service | $577 |
| DSCR Ratio | 1.32x |
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 1950
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36870, Phenix City, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,056 (100%) |
| Owner Occupied HU | 5,402 (67.1%) |
| Renter Occupied HU | 2,051 (25.5%) |
| Vacant Housing Units | 603 ( 7.5%) |
| Median Home Value | $207,248 |
| Average Home Value | $240,305 |
Housing Distribution
Address Breakdown
Residential
7,565
Single Family
7,360
Multi-Family
205
Businesses
254
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 1950
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36870, Phenix City, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,056 (100%) |
| Owner Occupied HU | 5,402 (67.1%) |
| Renter Occupied HU | 2,051 (25.5%) |
| Vacant Housing Units | 603 ( 7.5%) |
| Median Home Value | $207,248 |
| Average Home Value | $240,305 |
Housing Distribution
Address Breakdown
Residential
7,565
Single Family
7,360
Multi-Family
205
Businesses
254
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jovanna Smith • Keller Williams Realty Vestavia
Mls Name: GALMLS
Mls Provider:
Mls ID: #21396165
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.