29091 Amy CirArdmoreAL35739
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSolid, durable, and financeable, 29091 Amy Cir, Ardmore, AL, 35739 in Ardmore earns a 7.76% gross yield at $249,900. Rent of $1,617/mo nets $206/mo after the $1,124/mo mortgage. The 1.44 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $69,043 and $2,302/yr in equity accumulation project a total cumulative return of $107,465.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $206 | $250 |
City averages based on Ardmore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,617 |
| Total Monthly Debt Service | $1,311 |
| 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.
Single Family
Built in 2010
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35739, Ardmore, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,385 (100%) |
| Owner Occupied HU | 1,718 (72.0%) |
| Renter Occupied HU | 508 (21.3%) |
| Vacant Housing Units | 159 ( 6.7%) |
| Median Home Value | $265,580 |
| Average Home Value | $305,860 |
Housing Distribution
Address Breakdown
Residential
2,466
Single Family
2,438
Multi-Family
28
Businesses
136
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 2010
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35739, Ardmore, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,385 (100%) |
| Owner Occupied HU | 1,718 (72.0%) |
| Renter Occupied HU | 508 (21.3%) |
| Vacant Housing Units | 159 ( 6.7%) |
| Median Home Value | $265,580 |
| Average Home Value | $305,860 |
Housing Distribution
Address Breakdown
Residential
2,466
Single Family
2,438
Multi-Family
28
Businesses
136
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices