3274 Berkley Hills DrSouthsideAL35907
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable, bankable, and well-priced, 3274 Berkley Hills Dr, Southside, AL, 35907 in Southside delivers $2,015/mo in gross rent and $282/mo in net monthly income at a $307,000 entry. The 7.88% yield and 1.46 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $84,818 over five years and $2,828/yr in equity from loan paydown, total projected return is $133,883.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $282 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,015 |
| Total Monthly Debt Service | $1,611 |
| DSCR Ratio | 1.25x |
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35907, Gadsden, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,944 (100%) |
| Owner Occupied HU | 3,383 (85.8%) |
| Renter Occupied HU | 342 ( 8.7%) |
| Vacant Housing Units | 219 ( 5.6%) |
| Median Home Value | $237,574 |
| Average Home Value | $280,457 |
Housing Distribution
Address Breakdown
Residential
3,874
Single Family
3,874
Multi-Family
0
Businesses
110
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35907, Gadsden, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,944 (100%) |
| Owner Occupied HU | 3,383 (85.8%) |
| Renter Occupied HU | 342 ( 8.7%) |
| Vacant Housing Units | 219 ( 5.6%) |
| Median Home Value | $237,574 |
| Average Home Value | $280,457 |
Housing Distribution
Address Breakdown
Residential
3,874
Single Family
3,874
Multi-Family
0
Businesses
110
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Wesley Sutton • Corporate South Realty,Inc
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21874388
Disclaimer: Properties marked with this icon are provided courtesy of the Valley MLS IDX Database. Some or all of the listings displayed may not belong to the firm whose website is being visited. All information provided is deemed reliable but is not guaranteed and should be independently verified. Copyright 2025 Valley MLS