5241 County Road 48JemisonAL35085
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 5241 County Road 48, Jemison, AL, 35085 in Jemison is narrow, $60/mo net on $1,081/mo rent after the $814/mo debt service, but the property operates at break-even-plus, not a loss. At $181,000 with a 7.17% yield, the long-run equity case via 5% appreciation ($50,007 over five years) and $1,667/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.33 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $72,060.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 7.5% |
| Monthly Cash Flow | $60 | $250 |
City averages based on Jemison market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,081 |
| Total Monthly Debt Service | $950 |
| DSCR Ratio | 1.14x |
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
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35085, Jemison, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,885 (100%) |
| Owner Occupied HU | 2,808 (72.3%) |
| Renter Occupied HU | 722 (18.6%) |
| Vacant Housing Units | 355 ( 9.1%) |
| Median Home Value | $158,621 |
| Average Home Value | $196,735 |
Housing Distribution
Address Breakdown
Residential
3,654
Single Family
3,606
Multi-Family
48
Businesses
178
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
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35085, Jemison, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,885 (100%) |
| Owner Occupied HU | 2,808 (72.3%) |
| Renter Occupied HU | 722 (18.6%) |
| Vacant Housing Units | 355 ( 9.1%) |
| Median Home Value | $158,621 |
| Average Home Value | $196,735 |
Housing Distribution
Address Breakdown
Residential
3,654
Single Family
3,606
Multi-Family
48
Businesses
178
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cindy Porter • RealtySouth - Chilton II
Mls Name: GALMLS
Mls Provider:
Mls ID: #21418261
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.