4990 Seven Pine Cir #4990HuntsvilleAL35816
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.52% yield at 4990 Seven Pine Cir #4990, Huntsville, AL, 35816 in Huntsville is solid, but the $630/mo payment compresses net cash flow to $161/mo at $140,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $38,679 by year five, and $1,289/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.76) without U.S. income documentation. Total projected return: $63,768.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.1% |
| Monthly Cash Flow | $161 | $420 |
City averages based on Huntsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,111 |
| Total Monthly Debt Service | $895 |
| 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.
Condo
Built in 1985
N/A lot
$N/A/sqft
$160 monthly 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
Condo
Built in 1985
N/A lot
$N/A/sqft
$160 monthly 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: JAN McClelland • RE/MAX Alliance
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21872401
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