447 Cannie Phillips RdSumitonAL35148
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $219,000, 447 Cannie Phillips Rd, Sumiton, AL, 35148 in Sumiton generates $1,404/mo in rent (7.69% yield) but nets only $168/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.43) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $60,506. Total projected return: $93,322.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 7.0% |
| Monthly Cash Flow | $168 | $300 |
City averages based on Sumiton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,404 |
| Total Monthly Debt Service | $1,149 |
| DSCR Ratio | 1.22x |
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 1940
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35148, Sumiton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,143 (100%) |
| Owner Occupied HU | 734 (64.2%) |
| Renter Occupied HU | 286 (25.0%) |
| Vacant Housing Units | 123 (10.8%) |
| Median Home Value | $156,507 |
| Average Home Value | $177,371 |
Housing Distribution
Address Breakdown
Residential
1,077
Single Family
1,077
Multi-Family
0
Businesses
180
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 1940
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35148, Sumiton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,143 (100%) |
| Owner Occupied HU | 734 (64.2%) |
| Renter Occupied HU | 286 (25.0%) |
| Vacant Housing Units | 123 (10.8%) |
| Median Home Value | $156,507 |
| Average Home Value | $177,371 |
Housing Distribution
Address Breakdown
Residential
1,077
Single Family
1,077
Multi-Family
0
Businesses
180
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices