409 Cumberland Dr SEHuntsvilleAL35803
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 409 Cumberland Dr SE, Huntsville, AL, 35803 in Huntsville earns a 8.31% gross yield at $319,990. Rent of $2,216/mo nets $410/mo after the $1,439/mo mortgage. The 1.54 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $88,407 and $2,947/yr in equity accumulation project a total cumulative return of $147,004.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.1% |
| Monthly Cash Flow | $410 | $420 |
City averages based on Huntsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,216 |
| Total Monthly Debt Service | $1,679 |
| DSCR Ratio | 1.32x |
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 1967
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35803, Huntsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,171 (100%) |
| Owner Occupied HU | 10,027 (76.1%) |
| Renter Occupied HU | 2,367 (18.0%) |
| Vacant Housing Units | 777 ( 5.9%) |
| Median Home Value | $326,837 |
| Average Home Value | $368,110 |
Housing Distribution
Address Breakdown
Residential
13,302
Single Family
12,541
Multi-Family
761
Businesses
409
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 1967
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35803, Huntsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,171 (100%) |
| Owner Occupied HU | 10,027 (76.1%) |
| Renter Occupied HU | 2,367 (18.0%) |
| Vacant Housing Units | 777 ( 5.9%) |
| Median Home Value | $326,837 |
| Average Home Value | $368,110 |
Housing Distribution
Address Breakdown
Residential
13,302
Single Family
12,541
Multi-Family
761
Businesses
409
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sarah McDavid • Kendall James Realty
Mls Name: ValleyMLS
Mls ID: #21885861