280 Santa Barbara DrScottsboroAL35769
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow280 Santa Barbara Dr, Scottsboro, AL, 35769 in Scottsboro earns its strong cash-flow label: 10.51% yield, $2,363/mo rent, $823/mo net income, DSCR 1.95. The $269,800 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $74,541 by year five. Combined with $2,485/yr in principal paydown, total projected return reaches $154,739.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.2% |
| Monthly Cash Flow | $823 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,363 |
| Total Monthly Debt Service | $1,432 |
| DSCR Ratio | 1.65x |
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 N/A
0.50 Acres lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35769, Scottsboro, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,570 (100%) |
| Owner Occupied HU | 3,506 (62.9%) |
| Renter Occupied HU | 1,334 (23.9%) |
| Vacant Housing Units | 730 (13.1%) |
| Median Home Value | $217,774 |
| Average Home Value | $315,491 |
Housing Distribution
Address Breakdown
Residential
5,334
Single Family
4,456
Multi-Family
878
Businesses
222
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 N/A
0.50 Acres lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35769, Scottsboro, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,570 (100%) |
| Owner Occupied HU | 3,506 (62.9%) |
| Renter Occupied HU | 1,334 (23.9%) |
| Vacant Housing Units | 730 (13.1%) |
| Median Home Value | $217,774 |
| Average Home Value | $315,491 |
Housing Distribution
Address Breakdown
Residential
5,334
Single Family
4,456
Multi-Family
878
Businesses
222
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Paige Wilson • Ainsworth Real Estate, LLC
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21872040
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