5203 Summerville RdPhenix CityAL36867
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 5203 Summerville Rd, Phenix City, AL, 36867 in Phenix City speaks for itself: 10.46% gross on a $206,000 price, generating $1,796/mo in rent and $634/mo in net income after the $926/mo debt service. DSCR 1.94, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,604 stacks alongside $56,914 in projected five-year appreciation and $1,897/yr in principal reduction. Projected total cumulative return: $118,417.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 7.8% |
| Monthly Cash Flow | $634 | $420 |
City averages based on Phenix City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,796 |
| Total Monthly Debt Service | $1,081 |
| DSCR Ratio | 1.66x |
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 1962
1.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36867, Phenix City, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,988 (100%) |
| Owner Occupied HU | 4,689 (42.7%) |
| Renter Occupied HU | 5,283 (48.1%) |
| Vacant Housing Units | 1,016 ( 9.2%) |
| Median Home Value | $205,048 |
| Average Home Value | $271,717 |
Housing Distribution
Address Breakdown
Residential
10,181
Single Family
8,150
Multi-Family
2,031
Businesses
738
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 1962
1.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36867, Phenix City, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,988 (100%) |
| Owner Occupied HU | 4,689 (42.7%) |
| Renter Occupied HU | 5,283 (48.1%) |
| Vacant Housing Units | 1,016 ( 9.2%) |
| Median Home Value | $205,048 |
| Average Home Value | $271,717 |
Housing Distribution
Address Breakdown
Residential
10,181
Single Family
8,150
Multi-Family
2,031
Businesses
738
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Chris Goins • Platinum Properties
Mls Name: East Alabama BOR
Mls Provider:
Mls ID: #E99162
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.