25165 Kingston DrAthensAL35613
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.59% gross rental yield, 25165 Kingston Dr, Athens, AL, 35613 in Athens is priced for capital growth, not immediate cash flow. The $380,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $104,987 by year five, with $3,500/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.04) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $118,974.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.8% |
| Monthly Cash Flow | $(376) | $850 |
City averages based on Athens market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,769 |
| Total Monthly Debt Service | $1,994 |
| DSCR Ratio | 0.89x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2008
9,000 sqft 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
Single Family
Built in 2008
9,000 sqft 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