4904 Cotton Row NWHuntsvilleAL35816
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 4904 Cotton Row NW, Huntsville, AL, 35816 in Huntsville fits: $421,000, 4.16% gross yield, and a projected 5% annual appreciation rate adding $116,315 in value within five years. Rental yield 4.16%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.77) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,877/yr in principal paydown and $116,315 in appreciation project a total return of $89,753.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 6.1% |
| Monthly Cash Flow | $(1,082) | $420 |
City averages based on Huntsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,459 |
| Total Monthly Debt Service | $2,374 |
| DSCR Ratio | 0.61x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Multi Family
Built in 1984
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35816, Huntsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,862 (100%) |
| Owner Occupied HU | 1,489 (18.9%) |
| Renter Occupied HU | 5,289 (67.3%) |
| Vacant Housing Units | 1,084 (13.8%) |
| Median Home Value | $155,438 |
| Average Home Value | $269,485 |
Housing Distribution
Address Breakdown
Residential
7,166
Single Family
4,324
Multi-Family
2,842
Businesses
784
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
Multi Family
Built in 1984
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35816, Huntsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,862 (100%) |
| Owner Occupied HU | 1,489 (18.9%) |
| Renter Occupied HU | 5,289 (67.3%) |
| Vacant Housing Units | 1,084 (13.8%) |
| Median Home Value | $155,438 |
| Average Home Value | $269,485 |
Housing Distribution
Address Breakdown
Residential
7,166
Single Family
4,324
Multi-Family
2,842
Businesses
784
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A