5145 Simms Rdg, Pelham, AL, 35124 | $28/mo Cash Flow

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Pelham at 5145 Simms Rdg, Pelham, AL, 35124 listed at $526,421 pairs $3,000/mo rent with a $2,577/mo payment to leave $28/mo cash flow. Total monthly income runs $3,000/mo, and annual cash flow reaches $338/yr on $173,193 cash to close. Return on cash invested measures 20.26% in year one, and rental yield registers 6.84% at a $526,421 basis. Equity gained on principal adds $3,397/yr, and annual property appreciation at 5% supports $145,440 by year five. Five-year ROI tracks 103.97% and total cumulative return in cash totals $180,071. Financing can be arranged with Ziffy Mortgage’s DSCR loan, which qualifies using $3,000/mo property income relative to a $2,577/mo payment rather than your personal income (W2, Tax Returns, Paystubs, or 1099).

Single Family

Built in 2025

9,583 sqft lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 35124, Pelham, AL area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	11,280 (100%)
Owner Occupied HU	8,765 (77.7%)
Renter Occupied HU	2,140 (19.0%)
Vacant Housing Units	375 ( 3.3%)
Median Home Value	$337,511
Average Home Value	$374,292