287 Griffin Mountain RdLinevilleAL36266
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.63% yield at 287 Griffin Mountain Rd, Lineville, AL, 36266 in Lineville is solid, but the $1,070/mo payment compresses net cash flow to $170/mo at $238,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $65,755 by year five, and $2,192/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.41) without U.S. income documentation. Total projected return: $100,629.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $170 | $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 | $1,513 |
| Total Monthly Debt Service | $1,249 |
| DSCR Ratio | 1.21x |
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 1999
8 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36266, Lineville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,055 (100%) |
| Owner Occupied HU | 1,682 (55.1%) |
| Renter Occupied HU | 701 (22.9%) |
| Vacant Housing Units | 672 (22.0%) |
| Median Home Value | $246,815 |
| Average Home Value | $305,330 |
Housing Distribution
Address Breakdown
Residential
2,588
Single Family
2,496
Multi-Family
92
Businesses
169
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 1999
8 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36266, Lineville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,055 (100%) |
| Owner Occupied HU | 1,682 (55.1%) |
| Renter Occupied HU | 701 (22.9%) |
| Vacant Housing Units | 672 (22.0%) |
| Median Home Value | $246,815 |
| Average Home Value | $305,330 |
Housing Distribution
Address Breakdown
Residential
2,588
Single Family
2,496
Multi-Family
92
Businesses
169
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Charlotte Shain • Freedom Realty, LLC
Mls Name: GALMLS
Mls Provider:
Mls ID: #21389385
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.