22774 Pine RdAthensAL35613
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 22774 Pine Rd, Athens, AL, 35613 in Athens is narrow, $142/mo net on $1,553/mo rent after the $1,124/mo debt service, but the property operates at break-even-plus, not a loss. At $249,900 with a 7.46% yield, the long-run equity case via 5% appreciation ($69,043 over five years) and $2,302/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.38 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $103,337.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.8% |
| Monthly Cash Flow | $142 | $850 |
City averages based on Athens market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,553 |
| Total Monthly Debt Service | $1,311 |
| DSCR Ratio | 1.18x |
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.
Manufactured
Built in N/A
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35613, Athens, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,937 (100%) |
| Owner Occupied HU | 9,026 (82.5%) |
| Renter Occupied HU | 1,520 (13.9%) |
| Vacant Housing Units | 391 ( 3.6%) |
| Median Home Value | $336,500 |
| Average Home Value | $377,614 |
Housing Distribution
Address Breakdown
Residential
11,392
Single Family
11,274
Multi-Family
118
Businesses
298
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
Manufactured
Built in N/A
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35613, Athens, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,937 (100%) |
| Owner Occupied HU | 9,026 (82.5%) |
| Renter Occupied HU | 1,520 (13.9%) |
| Vacant Housing Units | 391 ( 3.6%) |
| Median Home Value | $336,500 |
| Average Home Value | $377,614 |
Housing Distribution
Address Breakdown
Residential
11,392
Single Family
11,274
Multi-Family
118
Businesses
298
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices