324 Sandy Oak DrHarvestAL35749
INVESTMENT ANALYSIS
Investment Verdict
Solid Income324 Sandy Oak Dr, Harvest, AL, 35749 in Harvest earns a respectable 8.58% gross yield at $378,355, but after the $1,701/mo mortgage the net cash flow is $154/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.59) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $104,533 over five years, making equity the dominant return driver. Total projected return: $154,314.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.8% |
| Monthly Cash Flow | $154 | $450 |
City averages based on Harvest market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,706 |
| Total Monthly Debt Service | $2,402 |
| DSCR Ratio | 1.13x |
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 N/A
9,576 sqft lot
$N/A/sqft
$5,000 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35749, Harvest, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,975 (100%) |
| Owner Occupied HU | 9,459 (86.2%) |
| Renter Occupied HU | 1,200 (10.9%) |
| Vacant Housing Units | 316 ( 2.9%) |
| Median Home Value | $321,761 |
| Average Home Value | $361,588 |
Housing Distribution
Address Breakdown
Residential
11,286
Single Family
11,264
Multi-Family
22
Businesses
258
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 N/A
9,576 sqft lot
$N/A/sqft
$5,000 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35749, Harvest, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,975 (100%) |
| Owner Occupied HU | 9,459 (86.2%) |
| Renter Occupied HU | 1,200 (10.9%) |
| Vacant Housing Units | 316 ( 2.9%) |
| Median Home Value | $321,761 |
| Average Home Value | $361,588 |
Housing Distribution
Address Breakdown
Residential
11,286
Single Family
11,264
Multi-Family
22
Businesses
258
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dawn Bentley • DHI Realty
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21866562
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