4715 Lott RdEight MileAL36613
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingThere's a case for owning boring assets in strong markets. Rental yield 6.31%. It won't spike overnight, but it will produce quarter after quarter of U.S. dollar income with long-run appreciation. Ziffy Mortgage's DSCR loan removes U.S. income documentation barriers for non-residents. Five-year appreciation of $64,926 and $2,164/yr in equity build project total return of $82,712.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.3% | 6.2% |
| Monthly Cash Flow | $(90) | $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 | $1,236 |
| Total Monthly Debt Service | $1,233 |
| DSCR Ratio | 1.00x |
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 1994
0.77 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36613, Eight Mile, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,237 (100%) |
| Owner Occupied HU | 3,502 (66.9%) |
| Renter Occupied HU | 1,154 (22.0%) |
| Vacant Housing Units | 581 (11.1%) |
| Median Home Value | $203,687 |
| Average Home Value | $258,898 |
Housing Distribution
Address Breakdown
Residential
4,852
Single Family
4,614
Multi-Family
238
Businesses
149
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 1994
0.77 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36613, Eight Mile, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,237 (100%) |
| Owner Occupied HU | 3,502 (66.9%) |
| Renter Occupied HU | 1,154 (22.0%) |
| Vacant Housing Units | 581 (11.1%) |
| Median Home Value | $203,687 |
| Average Home Value | $258,898 |
Housing Distribution
Address Breakdown
Residential
4,852
Single Family
4,614
Multi-Family
238
Businesses
149
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Leanne Carpenter • RE/MAX Realty Professionals
Mls Name: GCMLS
Mls Provider:
Mls ID: #7565426
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.