28835 Nature Trail DrHarvestAL35749
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 28835 Nature Trail Dr, Harvest, AL, 35749 in Harvest hard to pass up. The 11.18% gross yield on a $290,466 purchase results in $2,706/mo in rent and $1,033/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.07). Annual cash flow of $12,398, five-year appreciation of $80,250, and $2,675/yr in equity build-up combine for a projected total cumulative return of $176,093.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 6.8% |
| Monthly Cash Flow | $1,033 | $450 |
City averages based on Harvest market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,706 |
| Total Monthly Debt Service | $1,557 |
| DSCR Ratio | 1.74x |
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
10,018 sqft lot
$N/A/sqft
$400 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35749, Harvest, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,975 (100%) |
| Owner Occupied HU | 9,459 (86.2%) |
| Renter Occupied HU | 1,200 (10.9%) |
| Vacant Housing Units | 316 ( 2.9%) |
| Median Home Value | $321,761 |
| Average Home Value | $361,588 |
Housing Distribution
Address Breakdown
Residential
11,286
Single Family
11,264
Multi-Family
22
Businesses
258
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
10,018 sqft lot
$N/A/sqft
$400 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35749, Harvest, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,975 (100%) |
| Owner Occupied HU | 9,459 (86.2%) |
| Renter Occupied HU | 1,200 (10.9%) |
| Vacant Housing Units | 316 ( 2.9%) |
| Median Home Value | $321,761 |
| Average Home Value | $361,588 |
Housing Distribution
Address Breakdown
Residential
11,286
Single Family
11,264
Multi-Family
22
Businesses
258
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Crystal Johnson • Adams Homes LLC
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21887189
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