28954 Cottage Stone PlMadisonAL35756








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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


Investment Highlights
Total monthly income runs $2,100/mo, and a $3,549/mo payment. Purchase price stands at $725,000, and rental yield measures 3.48% with $2,100/mo rent. Return on cash invested shows 9.83% in year one, and 5% annual appreciation builds toward $200,304 over five years. Five-year ROI reaches 48.1% and total cumulative return in cash records $114,725. Financing may use Ziffy Mortgage’s DSCR loan, which bases approval on $2,100/mo property income covering a $3,549/mo payment rather than investor’s personal income.
Single Family
Built in 2024
7,800 sqft lot
$N/A/sqft
$500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35756, Madison, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,939 (100%) |
| Owner Occupied HU | 8,528 (71.4%) |
| Renter Occupied HU | 2,284 (19.1%) |
| Vacant Housing Units | 1,127 ( 9.4%) |
| Median Home Value | $418,344 |
| Average Home Value | $441,883 |
Housing Distribution
Address Breakdown
Residential
11,561
Single Family
11,001
Multi-Family
560
Businesses
339
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Listed by: Karen Morris • Down Home Real Estate
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21897753
Disclaimer: Properties marked with this icon are provided courtesy of the Valley MLS IDX Database. Some or all of the listings displayed may not belong to the firm whose website is being visited. All information provided is deemed reliable but is not guaranteed and should be independently verified. Copyright 2025 Valley MLS








