285 Ruby DrHuntsvilleAL35811
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 285 Ruby Dr, Huntsville, AL, 35811 in Huntsville. Priced at $252,900, it generates $2,245/mo in gross rent and $818/mo in net monthly cash flow, a 10.65% yield that comfortably supports the 1.97 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,812. Five-year appreciation: $69,872. Equity from principal paydown: $2,329/yr. Total projected cumulative return: $147,954.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.1% |
| Monthly Cash Flow | $818 | $420 |
City averages based on Huntsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,245 |
| Total Monthly Debt Service | $1,327 |
| DSCR Ratio | 1.69x |
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
0.87 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35811, Huntsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,612 (100%) |
| Owner Occupied HU | 9,721 (66.5%) |
| Renter Occupied HU | 2,936 (20.1%) |
| Vacant Housing Units | 1,955 (13.4%) |
| Median Home Value | $303,251 |
| Average Home Value | $349,207 |
Housing Distribution
Address Breakdown
Residential
13,305
Single Family
13,153
Multi-Family
152
Businesses
652
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
0.87 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35811, Huntsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,612 (100%) |
| Owner Occupied HU | 9,721 (66.5%) |
| Renter Occupied HU | 2,936 (20.1%) |
| Vacant Housing Units | 1,955 (13.4%) |
| Median Home Value | $303,251 |
| Average Home Value | $349,207 |
Housing Distribution
Address Breakdown
Residential
13,305
Single Family
13,153
Multi-Family
152
Businesses
652
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John Wesley Brooks • Capstone Realty LLC Huntsville
Mls Name: ValleyMLS
Mls ID: #21894922