405 Indian Trail RdIndian SpringsAL35124
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 405 Indian Trail Rd, Indian Springs, AL, 35124 in Indian Springs worth study. Rental yield 1.91%. The 1.91% gross yield is below cash-flow benchmarks at $1,885,000, but 5% annual appreciation, adding $520,791 over five years, frames this as a capital growth position. Rent of $3,000/mo partially offsets the $8,476/mo payment. Ziffy Mortgage finances appreciation-play properties (0.35 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $218,701.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.9% | 6.0% |
| Monthly Cash Flow | $(7,640) | $250 |
City averages based on Indian Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,000 |
| Total Monthly Debt Service | $9,890 |
| DSCR Ratio | 0.30x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2002
6.10 Acres lot
$N/A/sqft
No 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 2002
6.10 Acres lot
$N/A/sqft
No 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: Donna Gaskins • ARC Realty - Hoover
Mls Name: GALMLS
Mls Provider:
Mls ID: #21404083
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.