504 5th AveAshfordAL36312
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow504 5th Ave, Ashford, AL, 36312 in Ashford earns its strong cash-flow label: 14.59% yield, $1,495/mo rent, $801/mo net income, DSCR 2.70. The $123,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $33,983 by year five. Combined with $1,133/yr in principal paydown, total projected return reaches $97,894.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.6% | 8.0% |
| Monthly Cash Flow | $801 | $350 |
City averages based on Ashford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,495 |
| Total Monthly Debt Service | $645 |
| DSCR Ratio | 2.32x |
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 1958
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36312, Ashford, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,977 (100%) |
| Owner Occupied HU | 2,019 (67.8%) |
| Renter Occupied HU | 690 (23.2%) |
| Vacant Housing Units | 268 ( 9.0%) |
| Median Home Value | $217,007 |
| Average Home Value | $245,414 |
Housing Distribution
Address Breakdown
Residential
2,682
Single Family
2,676
Multi-Family
6
Businesses
124
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 1958
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36312, Ashford, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,977 (100%) |
| Owner Occupied HU | 2,019 (67.8%) |
| Renter Occupied HU | 690 (23.2%) |
| Vacant Housing Units | 268 ( 9.0%) |
| Median Home Value | $217,007 |
| Average Home Value | $245,414 |
Housing Distribution
Address Breakdown
Residential
2,682
Single Family
2,676
Multi-Family
6
Businesses
124
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sandra Houston • Lan Darty Real Estate & Development
Mls Name: SAMLS
Mls ID: #197175
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.