3040 Woodruff Mill RdAdamsvilleAL35005
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 3040 Woodruff Mill Rd, Adamsville, AL, 35005 in Adamsville is listed at $221,900 and delivers $1,693/mo in rent and $441/mo in net monthly cash flow. The 9.16% yield and 1.70 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $61,307 over five years, and $2,044/yr in principal reduction supplements cash return. Total projected cumulative return: $111,974.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 7.0% |
| Monthly Cash Flow | $441 | $250 |
City averages based on Adamsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,693 |
| Total Monthly Debt Service | $1,164 |
| DSCR Ratio | 1.45x |
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 1967
1.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35005, Adamsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,379 (100%) |
| Owner Occupied HU | 2,203 (65.2%) |
| Renter Occupied HU | 744 (22.0%) |
| Vacant Housing Units | 432 (12.8%) |
| Median Home Value | $164,914 |
| Average Home Value | $237,321 |
Housing Distribution
Address Breakdown
Residential
3,187
Single Family
3,187
Multi-Family
0
Businesses
153
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 1967
1.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35005, Adamsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,379 (100%) |
| Owner Occupied HU | 2,203 (65.2%) |
| Renter Occupied HU | 744 (22.0%) |
| Vacant Housing Units | 432 (12.8%) |
| Median Home Value | $164,914 |
| Average Home Value | $237,321 |
Housing Distribution
Address Breakdown
Residential
3,187
Single Family
3,187
Multi-Family
0
Businesses
153
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Aubrey Johnson • Keller Williams Trussville
Mls Name: GALMLS
Mls Provider:
Mls ID: #21407787
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.