4112 White RivDecaturAL35603
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 4112 White Riv, Decatur, AL, 35603 in Decatur. At $223,490 it earns $1,685/mo in rent and distributes $423/mo to the owner after the $1,005/mo payment, a consistent 9.05% yield. DSCR 1.68 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $61,746 in value; $2,058/yr in principal paydown compounds ownership stake. Total projected return: $111,500.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $423 | $450 |
City averages based on Decatur market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,685 |
| Total Monthly Debt Service | $1,173 |
| DSCR Ratio | 1.44x |
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
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35603, Decatur, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,772 (100%) |
| Owner Occupied HU | 9,786 (66.2%) |
| Renter Occupied HU | 4,228 (28.6%) |
| Vacant Housing Units | 758 ( 5.1%) |
| Median Home Value | $258,997 |
| Average Home Value | $295,900 |
Housing Distribution
Address Breakdown
Residential
14,489
Single Family
13,004
Multi-Family
1,485
Businesses
624
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
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35603, Decatur, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,772 (100%) |
| Owner Occupied HU | 9,786 (66.2%) |
| Renter Occupied HU | 4,228 (28.6%) |
| Vacant Housing Units | 758 ( 5.1%) |
| Median Home Value | $258,997 |
| Average Home Value | $295,900 |
Housing Distribution
Address Breakdown
Residential
14,489
Single Family
13,004
Multi-Family
1,485
Businesses
624
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices