271 Mary StMillportAL35576
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 271 Mary St, Millport, AL, 35576 in Millport. At $251,982 it earns $2,065/mo in rent and distributes $643/mo to the owner after the $1,133/mo payment, a consistent 9.83% yield. DSCR 1.82 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $69,618 in value; $2,321/yr in principal paydown compounds ownership stake. Total projected return: $136,372.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.2% |
| Monthly Cash Flow | $643 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,065 |
| Total Monthly Debt Service | $1,322 |
| DSCR Ratio | 1.56x |
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 1971
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35576, Millport, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,592 (100%) |
| Owner Occupied HU | 1,054 (66.2%) |
| Renter Occupied HU | 275 (17.3%) |
| Vacant Housing Units | 263 (16.5%) |
| Median Home Value | $151,773 |
| Average Home Value | $174,386 |
Housing Distribution
Address Breakdown
Residential
1,310
Single Family
1,310
Multi-Family
0
Businesses
59
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 1971
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35576, Millport, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,592 (100%) |
| Owner Occupied HU | 1,054 (66.2%) |
| Renter Occupied HU | 275 (17.3%) |
| Vacant Housing Units | 263 (16.5%) |
| Median Home Value | $151,773 |
| Average Home Value | $174,386 |
Housing Distribution
Address Breakdown
Residential
1,310
Single Family
1,310
Multi-Family
0
Businesses
59
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices