26428 Breakers CirAthensAL35613
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 26428 Breakers Cir, Athens, AL, 35613 in Athens speaks for itself: 11.95% gross on a $204,900 price, generating $2,040/mo in rent and $808/mo in net income after the $921/mo debt service. DSCR 2.21, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,701 stacks alongside $56,610 in projected five-year appreciation and $1,887/yr in principal reduction. Projected total cumulative return: $129,612.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 6.8% |
| Monthly Cash Flow | $808 | $850 |
City averages based on Athens market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,040 |
| Total Monthly Debt Service | $1,150 |
| DSCR Ratio | 1.77x |
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.
Townhouse
Built in 2025
2,178 sqft lot
$N/A/sqft
$75 monthly 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
Townhouse
Built in 2025
2,178 sqft lot
$N/A/sqft
$75 monthly 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
Listed by: Troy Elmore • Troy Elmore Realty & Auction
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21889066
Disclaimer: Properties marked with this icon are provided courtesy of the Valley MLS IDX Database. Some or all of the listings displayed may not belong to the firm whose website is being visited. All information provided is deemed reliable but is not guaranteed and should be independently verified. Copyright 2025 Valley MLS