281 Lambeth RdFlomatonAL36441
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder281 Lambeth Rd, Flomaton, AL, 36441 in Flomaton earns a respectable 7.75% gross yield at $185,900, but after the $836/mo mortgage the net cash flow is $151/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.44) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $51,361 over five years, making equity the dominant return driver. Total projected return: $79,753.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $151 | $300 |
City averages based on Flomaton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,200 |
| Total Monthly Debt Service | $975 |
| DSCR Ratio | 1.23x |
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.
Manufactured
Built in 2005
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36441, Flomaton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,753 (100%) |
| Owner Occupied HU | 1,181 (67.4%) |
| Renter Occupied HU | 351 (20.0%) |
| Vacant Housing Units | 221 (12.6%) |
| Median Home Value | $161,887 |
| Average Home Value | $219,558 |
Housing Distribution
Address Breakdown
Residential
1,506
Single Family
1,465
Multi-Family
41
Businesses
131
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
Manufactured
Built in 2005
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36441, Flomaton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,753 (100%) |
| Owner Occupied HU | 1,181 (67.4%) |
| Renter Occupied HU | 351 (20.0%) |
| Vacant Housing Units | 221 (12.6%) |
| Median Home Value | $161,887 |
| Average Home Value | $219,558 |
Housing Distribution
Address Breakdown
Residential
1,506
Single Family
1,465
Multi-Family
41
Businesses
131
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices