226 Firefly LnOpelikaAL36804
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 226 Firefly Ln, Opelika, AL, 36804 in Opelika earns a 8.14% gross yield at $362,461. Rent of $2,458/mo nets $412/mo after the $1,630/mo mortgage. The 1.51 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $100,141 and $3,338/yr in equity accumulation project a total cumulative return of $163,135.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.8% |
| Monthly Cash Flow | $412 | $420 |
City averages based on Opelika market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,458 |
| Total Monthly Debt Service | $1,902 |
| DSCR Ratio | 1.29x |
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
N/A 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 2026
N/A 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
