415 Rivermont CirCarrolltonAL35447
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 415 Rivermont Cir, Carrollton, AL, 35447 in Carrollton. At $310,000 it earns $2,108/mo in rent and distributes $359/mo to the owner after the $1,394/mo payment, a consistent 8.16% yield. DSCR 1.51 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $85,647 in value; $2,855/yr in principal paydown compounds ownership stake. Total projected return: $139,884.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.2% |
| Monthly Cash Flow | $359 | $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 | $2,108 |
| Total Monthly Debt Service | $1,626 |
| DSCR Ratio | 1.30x |
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 1985
1.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35447, Carrollton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,587 (100%) |
| Owner Occupied HU | 968 (61.0%) |
| Renter Occupied HU | 328 (20.7%) |
| Vacant Housing Units | 291 (18.3%) |
| Median Home Value | $153,012 |
| Average Home Value | $175,987 |
Housing Distribution
Address Breakdown
Residential
1,296
Single Family
1,296
Multi-Family
0
Businesses
110
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 1985
1.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35447, Carrollton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,587 (100%) |
| Owner Occupied HU | 968 (61.0%) |
| Renter Occupied HU | 328 (20.7%) |
| Vacant Housing Units | 291 (18.3%) |
| Median Home Value | $153,012 |
| Average Home Value | $175,987 |
Housing Distribution
Address Breakdown
Residential
1,296
Single Family
1,296
Multi-Family
0
Businesses
110
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: LIZZIE MAYFIELD • RE/MAX PARTNERS
Mls Name: Greater Golden Triangle Realtors
Mls ID: #25-2193