230 Ridgeview CirJemisonAL35085
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 230 Ridgeview Cir, Jemison, AL, 35085 in Jemison deserves attention. This $255,000 property earns $2,318/mo in rent, a 10.91% gross yield, and nets $879/mo after the $1,147/mo payment. DSCR 2.02 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $70,452 compounds alongside $2,349/yr in yearly equity build, for a total cumulative return of $152,615.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 7.5% |
| Monthly Cash Flow | $879 | $250 |
City averages based on Jemison market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,318 |
| Total Monthly Debt Service | $1,338 |
| DSCR Ratio | 1.73x |
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 2022
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35085, Jemison, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,885 (100%) |
| Owner Occupied HU | 2,808 (72.3%) |
| Renter Occupied HU | 722 (18.6%) |
| Vacant Housing Units | 355 ( 9.1%) |
| Median Home Value | $158,621 |
| Average Home Value | $196,735 |
Housing Distribution
Address Breakdown
Residential
3,654
Single Family
3,606
Multi-Family
48
Businesses
178
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 2022
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35085, Jemison, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,885 (100%) |
| Owner Occupied HU | 2,808 (72.3%) |
| Renter Occupied HU | 722 (18.6%) |
| Vacant Housing Units | 355 ( 9.1%) |
| Median Home Value | $158,621 |
| Average Home Value | $196,735 |
Housing Distribution
Address Breakdown
Residential
3,654
Single Family
3,606
Multi-Family
48
Businesses
178
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices