4034 Saddle Run CirPelhamAL35124
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 4034 Saddle Run Cir, Pelham, AL, 35124 in Pelham deserves attention. This $231,750 property earns $1,939/mo in rent, a 10.04% gross yield, and nets $593/mo after the $1,042/mo payment. DSCR 1.86 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $64,028 compounds alongside $2,134/yr in yearly equity build, for a total cumulative return of $125,637.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.2% |
| Monthly Cash Flow | $593 | $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 | $1,939 |
| Total Monthly Debt Service | $1,254 |
| DSCR Ratio | 1.55x |
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 1991
0.29 Acres lot
$N/A/sqft
$100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35124, Pelham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,280 (100%) |
| Owner Occupied HU | 8,765 (77.7%) |
| Renter Occupied HU | 2,140 (19.0%) |
| Vacant Housing Units | 375 ( 3.3%) |
| Median Home Value | $337,511 |
| Average Home Value | $374,292 |
Housing Distribution
Address Breakdown
Residential
11,011
Single Family
10,486
Multi-Family
525
Businesses
1,614
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 1991
0.29 Acres lot
$N/A/sqft
$100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35124, Pelham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,280 (100%) |
| Owner Occupied HU | 8,765 (77.7%) |
| Renter Occupied HU | 2,140 (19.0%) |
| Vacant Housing Units | 375 ( 3.3%) |
| Median Home Value | $337,511 |
| Average Home Value | $374,292 |
Housing Distribution
Address Breakdown
Residential
11,011
Single Family
10,486
Multi-Family
525
Businesses
1,614
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Pat Lynch • Sold South Realty
Mls Name: GALMLS
Mls Provider:
Mls ID: #21393418
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.