5242 Roy DrHelenaAL35080
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 5242 Roy Dr, Helena, AL, 35080 in Helena is listed at $198,500 and delivers $1,327/mo in rent and $207/mo in net monthly cash flow. The 8.02% yield and 1.49 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $54,842 over five years, and $1,828/yr in principal reduction supplements cash return. Total projected cumulative return: $88,114.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 8.0% |
| Monthly Cash Flow | $207 | $300 |
City averages based on Helena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,327 |
| Total Monthly Debt Service | $1,041 |
| DSCR Ratio | 1.27x |
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 1948
0.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35080, Helena, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,287 (100%) |
| Owner Occupied HU | 6,454 (88.6%) |
| Renter Occupied HU | 712 ( 9.8%) |
| Vacant Housing Units | 121 ( 1.7%) |
| Median Home Value | $300,000 |
| Average Home Value | $341,545 |
Housing Distribution
Address Breakdown
Residential
7,372
Single Family
7,272
Multi-Family
100
Businesses
436
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 1948
0.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35080, Helena, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,287 (100%) |
| Owner Occupied HU | 6,454 (88.6%) |
| Renter Occupied HU | 712 ( 9.8%) |
| Vacant Housing Units | 121 ( 1.7%) |
| Median Home Value | $300,000 |
| Average Home Value | $341,545 |
Housing Distribution
Address Breakdown
Residential
7,372
Single Family
7,272
Multi-Family
100
Businesses
436
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Richard Smith • Alpha Smith Realty Group LLC
Mls Name: GALMLS
Mls Provider:
Mls ID: #21412479
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.