28070 Highway 431Five PointsAL36855
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 28070 Highway 431, Five Points, AL, 36855 in Five Points is narrow, $133/mo net on $1,256/mo rent after the $895/mo debt service, but the property operates at break-even-plus, not a loss. At $199,000 with a 7.58% yield, the long-run equity case via 5% appreciation ($54,980 over five years) and $1,833/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.40 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $83,526.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 8.0% |
| Monthly Cash Flow | $133 | $350 |
City averages based on Five Points market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,256 |
| Total Monthly Debt Service | $1,044 |
| DSCR Ratio | 1.20x |
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 1960
12.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36855, Five Points, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 828 (100%) |
| Owner Occupied HU | 588 (71.0%) |
| Renter Occupied HU | 89 (10.7%) |
| Vacant Housing Units | 151 (18.2%) |
| Median Home Value | $206,250 |
| Average Home Value | $214,469 |
Housing Distribution
Address Breakdown
Residential
729
Single Family
729
Multi-Family
0
Businesses
30
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 1960
12.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36855, Five Points, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 828 (100%) |
| Owner Occupied HU | 588 (71.0%) |
| Renter Occupied HU | 89 (10.7%) |
| Vacant Housing Units | 151 (18.2%) |
| Median Home Value | $206,250 |
| Average Home Value | $214,469 |
Housing Distribution
Address Breakdown
Residential
729
Single Family
729
Multi-Family
0
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Deedee McGraw • eXp Realty
Mls Name: GAMLS
Mls ID: #10608196