3220 County Road 258Five PointsAL36855
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 3220 County Road 258, Five Points, AL, 36855 in Five Points. Rental yield 4.35%. At $1,460,000 with 4.35% gross yield, current distributions are modest, but the 5% appreciation rate projects $403,371 in new equity by year five, complemented by $13,447/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.81) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $360,362.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 8.0% |
| Monthly Cash Flow | $(2,949) | $350 |
City averages based on Five Points market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $5,292 |
| Total Monthly Debt Service | $7,660 |
| DSCR Ratio | 0.69x |
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.
Single Family
Built in 2017
205 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36855, Five Points, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 828 (100%) |
| Owner Occupied HU | 588 (71.0%) |
| Renter Occupied HU | 89 (10.7%) |
| Vacant Housing Units | 151 (18.2%) |
| Median Home Value | $206,250 |
| Average Home Value | $214,469 |
Housing Distribution
Address Breakdown
Residential
729
Single Family
729
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
Single Family
Built in 2017
205 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36855, Five Points, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 828 (100%) |
| Owner Occupied HU | 588 (71.0%) |
| Renter Occupied HU | 89 (10.7%) |
| Vacant Housing Units | 151 (18.2%) |
| Median Home Value | $206,250 |
| Average Home Value | $214,469 |
Housing Distribution
Address Breakdown
Residential
729
Single Family
729
Multi-Family
0
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ryan Barnes • Hunter Bend Realty
Mls Name: GALMLS
Mls Provider:
Mls ID: #21398643
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.