225 Summer StOpelikaAL36804
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 225 Summer St, Opelika, AL, 36804 in Opelika. Priced at $327,899, it generates $3,143/mo in gross rent and $1,292/mo in net monthly cash flow, a 11.5% yield that comfortably supports the 2.13 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $15,504. Five-year appreciation: $90,592. Equity from principal paydown: $3,020/yr. Total projected cumulative return: $206,793.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 5.8% |
| Monthly Cash Flow | $1,292 | $420 |
City averages based on Opelika market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,143 |
| Total Monthly Debt Service | $1,720 |
| DSCR Ratio | 1.83x |
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 2025
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36804, Opelika, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,282 (100%) |
| Owner Occupied HU | 6,903 (74.4%) |
| Renter Occupied HU | 1,851 (19.9%) |
| Vacant Housing Units | 528 ( 5.7%) |
| Median Home Value | $270,503 |
| Average Home Value | $300,208 |
Housing Distribution
Address Breakdown
Residential
9,131
Single Family
8,525
Multi-Family
606
Businesses
284
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 2025
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36804, Opelika, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,282 (100%) |
| Owner Occupied HU | 6,903 (74.4%) |
| Renter Occupied HU | 1,851 (19.9%) |
| Vacant Housing Units | 528 ( 5.7%) |
| Median Home Value | $270,503 |
| Average Home Value | $300,208 |
Housing Distribution
Address Breakdown
Residential
9,131
Single Family
8,525
Multi-Family
606
Businesses
284
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: TAFT LEDBETTER • HOLLAND HOME SALES
Mls Name: LCMLS
Mls ID: #178060
Disclaimer: The data relating to real estate for sale on this web-site comes in part from the Internet Data Exchange Program of Lee County Association of REALTORS. Information is deemed reliable but is not guaranteed.