346 Cochran AveAlbertvilleAL35951
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Albertville rental at 346 Cochran Ave, Albertville, AL, 35951 sits in the solid-income band: 8.2% gross yield, $1,428/mo rent, $248/mo net after the $940/mo debt service, DSCR 1.52. Entry price of $209,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $57,743 and $1,925/yr in principal reduction bring total cumulative return to $94,766.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 8.0% |
| Monthly Cash Flow | $248 | $400 |
City averages based on Albertville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,428 |
| Total Monthly Debt Service | $1,097 |
| DSCR Ratio | 1.30x |
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
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35951, Albertville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,653 (100%) |
| Owner Occupied HU | 3,723 (65.9%) |
| Renter Occupied HU | 1,523 (26.9%) |
| Vacant Housing Units | 407 ( 7.2%) |
| Median Home Value | $153,580 |
| Average Home Value | $236,315 |
Housing Distribution
Address Breakdown
Residential
5,671
Single Family
5,532
Multi-Family
139
Businesses
166
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
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35951, Albertville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,653 (100%) |
| Owner Occupied HU | 3,723 (65.9%) |
| Renter Occupied HU | 1,523 (26.9%) |
| Vacant Housing Units | 407 ( 7.2%) |
| Median Home Value | $153,580 |
| Average Home Value | $236,315 |
Housing Distribution
Address Breakdown
Residential
5,671
Single Family
5,532
Multi-Family
139
Businesses
166
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: ValleyMLS
Mls ID: #21911193