2411 35th StValleyAL36854
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 2411 35th St, Valley, AL, 36854 in Valley is listed at $121,000 and delivers $944/mo in rent and $261/mo in net monthly cash flow. The 9.36% yield and 1.74 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $33,430 over five years, and $1,114/yr in principal reduction supplements cash return. Total projected cumulative return: $62,437.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 7.5% |
| Monthly Cash Flow | $261 | $300 |
City averages based on Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $944 |
| Total Monthly Debt Service | $635 |
| DSCR Ratio | 1.49x |
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 1908
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36854, Valley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,708 (100%) |
| Owner Occupied HU | 4,470 (58.0%) |
| Renter Occupied HU | 2,275 (29.5%) |
| Vacant Housing Units | 963 (12.5%) |
| Median Home Value | $173,164 |
| Average Home Value | $216,190 |
Housing Distribution
Address Breakdown
Residential
7,192
Single Family
6,150
Multi-Family
1,042
Businesses
393
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 1908
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36854, Valley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,708 (100%) |
| Owner Occupied HU | 4,470 (58.0%) |
| Renter Occupied HU | 2,275 (29.5%) |
| Vacant Housing Units | 963 (12.5%) |
| Median Home Value | $173,164 |
| Average Home Value | $216,190 |
Housing Distribution
Address Breakdown
Residential
7,192
Single Family
6,150
Multi-Family
1,042
Businesses
393
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jerome Bechard • COLDWELL BANKER - KPDD
Mls Name: East Alabama BOR
Mls Provider:
Mls ID: #E99422
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.