3004 Clopton St SWHuntsvilleAL35805
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 3004 Clopton St SW, Huntsville, AL, 35805 in Huntsville. Rental yield 0.94%. At $1,999,999 with 0.94% gross yield, current distributions are modest, but the 5% appreciation rate projects $552,563 in new equity by year five, complemented by $18,420/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.17) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $127,559.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0.9% | 6.1% |
| Monthly Cash Flow | $(9,729) | $420 |
City averages based on Huntsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,560 |
| Total Monthly Debt Service | $10,493 |
| DSCR Ratio | 0.15x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Multi Family
Built in 1950
1.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35805, Huntsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,693 (100%) |
| Owner Occupied HU | 2,909 (22.9%) |
| Renter Occupied HU | 8,011 (63.1%) |
| Vacant Housing Units | 1,773 (14.0%) |
| Median Home Value | $108,828 |
| Average Home Value | $204,304 |
Housing Distribution
Address Breakdown
Residential
10,290
Single Family
8,680
Multi-Family
1,610
Businesses
1,181
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
Multi Family
Built in 1950
1.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35805, Huntsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,693 (100%) |
| Owner Occupied HU | 2,909 (22.9%) |
| Renter Occupied HU | 8,011 (63.1%) |
| Vacant Housing Units | 1,773 (14.0%) |
| Median Home Value | $108,828 |
| Average Home Value | $204,304 |
Housing Distribution
Address Breakdown
Residential
10,290
Single Family
8,680
Multi-Family
1,610
Businesses
1,181
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: ValleyMLS
Mls ID: #21904664