5352 County Road 159IderAL35981
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Ider rental at 5352 County Road 159, Ider, AL, 35981 sits in the solid-income band: 9.35% gross yield, $1,558/mo rent, $430/mo net after the $715/mo debt service, DSCR 2.18. Entry price of $159,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $43,929 and $1,464/yr in principal reduction bring total cumulative return to $102,431.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $430 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,558 |
| Total Monthly Debt Service | $834 |
| DSCR Ratio | 1.87x |
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 1990
4.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35981, Ider, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 959 (100%) |
| Owner Occupied HU | 698 (72.8%) |
| Renter Occupied HU | 176 (18.4%) |
| Vacant Housing Units | 85 ( 8.9%) |
| Median Home Value | $179,167 |
| Average Home Value | $246,701 |
Housing Distribution
Address Breakdown
Residential
870
Single Family
870
Multi-Family
0
Businesses
67
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 1990
4.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35981, Ider, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 959 (100%) |
| Owner Occupied HU | 698 (72.8%) |
| Renter Occupied HU | 176 (18.4%) |
| Vacant Housing Units | 85 ( 8.9%) |
| Median Home Value | $179,167 |
| Average Home Value | $246,701 |
Housing Distribution
Address Breakdown
Residential
870
Single Family
870
Multi-Family
0
Businesses
67
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Susan Oliver • BHHS Southern Routes Realty
Mls Name: Greater Chattanooga Realtors
Mls ID: #1516129
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