4731 Palos RdQuintonAL35130
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Quinton rental at 4731 Palos Rd, Quinton, AL, 35130 sits in the solid-income band: 9.65% gross yield, $1,198/mo rent, $357/mo net after the $670/mo debt service, DSCR 1.79. Entry price of $149,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $41,166 and $1,372/yr in principal reduction bring total cumulative return to $79,156.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.2% |
| Monthly Cash Flow | $357 | $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 | $1,198 |
| Total Monthly Debt Service | $782 |
| DSCR Ratio | 1.53x |
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.
Manufactured
Built in 1985
7 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35130, Quinton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,688 (100%) |
| Owner Occupied HU | 1,064 (63.0%) |
| Renter Occupied HU | 291 (17.2%) |
| Vacant Housing Units | 333 (19.7%) |
| Median Home Value | $143,651 |
| Average Home Value | $300,247 |
Housing Distribution
Address Breakdown
Residential
1,663
Single Family
1,663
Multi-Family
0
Businesses
51
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
Manufactured
Built in 1985
7 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35130, Quinton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,688 (100%) |
| Owner Occupied HU | 1,064 (63.0%) |
| Renter Occupied HU | 291 (17.2%) |
| Vacant Housing Units | 333 (19.7%) |
| Median Home Value | $143,651 |
| Average Home Value | $300,247 |
Housing Distribution
Address Breakdown
Residential
1,663
Single Family
1,663
Multi-Family
0
Businesses
51
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices