4208 Highway 157FlorenceAL35633
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 4208 Highway 157, Florence, AL, 35633 in Florence at $189,500 earns $1,230/mo in rent and nets $160/mo after the $852/mo payment, a 7.79% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $52,355 over five years. Ziffy Mortgage underwrites this on a 1.44 DSCR without U.S. credit history. With $1,745/yr in principal paydown, total projected return reaches $81,739.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.5% |
| Monthly Cash Flow | $160 | $400 |
City averages based on Florence market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,230 |
| Total Monthly Debt Service | $994 |
| DSCR Ratio | 1.24x |
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 1958
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35633, Florence, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,363 (100%) |
| Owner Occupied HU | 6,846 (73.1%) |
| Renter Occupied HU | 1,753 (18.7%) |
| Vacant Housing Units | 764 ( 8.2%) |
| Median Home Value | $212,457 |
| Average Home Value | $235,077 |
Housing Distribution
Address Breakdown
Residential
8,877
Single Family
8,535
Multi-Family
342
Businesses
275
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 1958
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35633, Florence, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,363 (100%) |
| Owner Occupied HU | 6,846 (73.1%) |
| Renter Occupied HU | 1,753 (18.7%) |
| Vacant Housing Units | 764 ( 8.2%) |
| Median Home Value | $212,457 |
| Average Home Value | $235,077 |
Housing Distribution
Address Breakdown
Residential
8,877
Single Family
8,535
Multi-Family
342
Businesses
275
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices