344 Main StAshfordAL36312
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 344 Main St, Ashford, AL, 36312 in Ashford deserves attention. This $206,000 property earns $1,963/mo in rent, a 11.44% gross yield, and nets $800/mo after the $926/mo payment. DSCR 2.12 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $56,914 compounds alongside $1,897/yr in yearly equity build, for a total cumulative return of $129,169.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 8.0% |
| Monthly Cash Flow | $800 | $350 |
City averages based on Ashford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,963 |
| Total Monthly Debt Service | $1,081 |
| DSCR Ratio | 1.82x |
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 2016
10,696 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36312, Ashford, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,977 (100%) |
| Owner Occupied HU | 2,019 (67.8%) |
| Renter Occupied HU | 690 (23.2%) |
| Vacant Housing Units | 268 ( 9.0%) |
| Median Home Value | $217,007 |
| Average Home Value | $245,414 |
Housing Distribution
Address Breakdown
Residential
2,682
Single Family
2,676
Multi-Family
6
Businesses
124
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 2016
10,696 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36312, Ashford, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,977 (100%) |
| Owner Occupied HU | 2,019 (67.8%) |
| Renter Occupied HU | 690 (23.2%) |
| Vacant Housing Units | 268 ( 9.0%) |
| Median Home Value | $217,007 |
| Average Home Value | $245,414 |
Housing Distribution
Address Breakdown
Residential
2,682
Single Family
2,676
Multi-Family
6
Businesses
124
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices