51 Pine CirHeflinAL36264
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 51 Pine Cir, Heflin, AL, 36264 in Heflin: $3,371/mo in rent, $1,632/mo net, 13.13% gross yield, all on a $308,000 acquisition. The 2.43 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $85,095 in value, and $2,837/yr in principal paydown steadily builds equity. Projected total cumulative return: $221,091.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.1% | 7.5% |
| Monthly Cash Flow | $1,632 | $800 |
City averages based on Heflin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,371 |
| Total Monthly Debt Service | $1,616 |
| DSCR Ratio | 2.09x |
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 1974
0.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36264, Heflin, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,092 (100%) |
| Owner Occupied HU | 2,670 (65.2%) |
| Renter Occupied HU | 923 (22.6%) |
| Vacant Housing Units | 499 (12.2%) |
| Median Home Value | $190,355 |
| Average Home Value | $212,994 |
Housing Distribution
Address Breakdown
Residential
3,845
Single Family
3,845
Multi-Family
0
Businesses
325
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 1974
0.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36264, Heflin, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,092 (100%) |
| Owner Occupied HU | 2,670 (65.2%) |
| Renter Occupied HU | 923 (22.6%) |
| Vacant Housing Units | 499 (12.2%) |
| Median Home Value | $190,355 |
| Average Home Value | $212,994 |
Housing Distribution
Address Breakdown
Residential
3,845
Single Family
3,845
Multi-Family
0
Businesses
325
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jason Williamson • ERA King Real Estate
Mls Name: GALMLS
Mls Provider:
Mls ID: #21397373
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.