320 4th St SWSylvaniaAL35988
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 320 4th St SW, Sylvania, AL, 35988 in Sylvania is listed at $195,900 and delivers $1,561/mo in rent and $455/mo in net monthly cash flow. The 9.56% yield and 1.77 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 $54,124 over five years, and $1,804/yr in principal reduction supplements cash return. Total projected cumulative return: $103,160.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 8.0% |
| Monthly Cash Flow | $455 | $1,200 |
City averages based on Sylvania market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,561 |
| Total Monthly Debt Service | $1,028 |
| DSCR Ratio | 1.52x |
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.
Manufactured
Built in 2023
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35988, Sylvania, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 815 (100%) |
| Owner Occupied HU | 577 (70.8%) |
| Renter Occupied HU | 160 (19.6%) |
| Vacant Housing Units | 78 ( 9.6%) |
| Median Home Value | $167,917 |
| Average Home Value | $209,818 |
Housing Distribution
Address Breakdown
Residential
755
Single Family
755
Multi-Family
0
Businesses
30
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
Manufactured
Built in 2023
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35988, Sylvania, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 815 (100%) |
| Owner Occupied HU | 577 (70.8%) |
| Renter Occupied HU | 160 (19.6%) |
| Vacant Housing Units | 78 ( 9.6%) |
| Median Home Value | $167,917 |
| Average Home Value | $209,818 |
Housing Distribution
Address Breakdown
Residential
755
Single Family
755
Multi-Family
0
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Angela Wilson • Re/Max Property Center
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21878663
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