539 Harvest Rd #PP850AHarvestAL35749
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable, bankable, and well-priced, 539 Harvest Rd #PP850A, Harvest, AL, 35749 in Harvest delivers $3,412/mo in gross rent and $336/mo in net monthly income at a $544,800 entry. The 7.51% yield and 1.39 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $150,518 over five years and $5,018/yr in equity from loan paydown, total projected return is $226,970.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.8% |
| Monthly Cash Flow | $336 | $450 |
City averages based on Harvest market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,412 |
| Total Monthly Debt Service | $2,858 |
| DSCR Ratio | 1.19x |
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 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35749, Harvest, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,975 (100%) |
| Owner Occupied HU | 9,459 (86.2%) |
| Renter Occupied HU | 1,200 (10.9%) |
| Vacant Housing Units | 316 ( 2.9%) |
| Median Home Value | $321,761 |
| Average Home Value | $361,588 |
Housing Distribution
Address Breakdown
Residential
11,286
Single Family
11,264
Multi-Family
22
Businesses
258
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 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35749, Harvest, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,975 (100%) |
| Owner Occupied HU | 9,459 (86.2%) |
| Renter Occupied HU | 1,200 (10.9%) |
| Vacant Housing Units | 316 ( 2.9%) |
| Median Home Value | $321,761 |
| Average Home Value | $361,588 |
Housing Distribution
Address Breakdown
Residential
11,286
Single Family
11,264
Multi-Family
22
Businesses
258
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices