302 Winterhaven TrlMadisonAL35758
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow302 Winterhaven Trl, Madison, AL, 35758 in Madison earns a respectable 10.66% gross yield at $197,710, but after the $889/mo mortgage the net cash flow is $180/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.98) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $54,624 over five years, making equity the dominant return driver. Total projected return: $88,095.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 5.8% |
| Monthly Cash Flow | $180 | $420 |
City averages based on Madison market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,757 |
| Total Monthly Debt Service | $1,498 |
| DSCR Ratio | 1.17x |
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.
Townhouse
Built in 1974
3,049 sqft lot
$N/A/sqft
$300 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35758, Madison, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,150 (100%) |
| Owner Occupied HU | 12,787 (55.2%) |
| Renter Occupied HU | 8,346 (36.1%) |
| Vacant Housing Units | 2,017 ( 8.7%) |
| Median Home Value | $405,138 |
| Average Home Value | $448,947 |
Housing Distribution
Address Breakdown
Residential
21,495
Single Family
16,455
Multi-Family
5,040
Businesses
2,188
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
Townhouse
Built in 1974
3,049 sqft lot
$N/A/sqft
$300 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35758, Madison, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,150 (100%) |
| Owner Occupied HU | 12,787 (55.2%) |
| Renter Occupied HU | 8,346 (36.1%) |
| Vacant Housing Units | 2,017 ( 8.7%) |
| Median Home Value | $405,138 |
| Average Home Value | $448,947 |
Housing Distribution
Address Breakdown
Residential
21,495
Single Family
16,455
Multi-Family
5,040
Businesses
2,188
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Blake Cantrell • Kendall James Realty
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21863393
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