39791 Highway 25HarpersvilleAL35078
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow39791 Highway 25, Harpersville, AL, 35078 in Harpersville is a top-tier cash-flow asset. At $199,900 it produces $1,728/mo in rent and $631/mo in net monthly income, a 10.89% gross rental yield. The DSCR of 1.92 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $7,571. Five-year appreciation adds $55,229, driving a total cumulative return of $110,594.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 8.0% |
| Monthly Cash Flow | $631 | $300 |
City averages based on Harpersville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,728 |
| Total Monthly Debt Service | $1,104 |
| DSCR Ratio | 1.57x |
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 1982
0.94 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35078, Harpersville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 950 (100%) |
| Owner Occupied HU | 694 (73.1%) |
| Renter Occupied HU | 139 (14.6%) |
| Vacant Housing Units | 117 (12.3%) |
| Median Home Value | $212,319 |
| Average Home Value | $295,461 |
Housing Distribution
Address Breakdown
Residential
890
Single Family
890
Multi-Family
0
Businesses
85
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 1982
0.94 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35078, Harpersville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 950 (100%) |
| Owner Occupied HU | 694 (73.1%) |
| Renter Occupied HU | 139 (14.6%) |
| Vacant Housing Units | 117 (12.3%) |
| Median Home Value | $212,319 |
| Average Home Value | $295,461 |
Housing Distribution
Address Breakdown
Residential
890
Single Family
890
Multi-Family
0
Businesses
85
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kellie Gragg • Lokation Real Estate LLC
Mls Name: GALMLS
Mls Provider:
Mls ID: #21416258
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.