54 Hartley StMckenzieAL36456
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 54 Hartley St, Mckenzie, AL, 36456 in Mckenzie: $1,478/mo in rent, $541/mo net, 10.69% gross yield, all on a $166,000 acquisition. The 1.98 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $45,863 in value, and $1,529/yr in principal paydown steadily builds equity. Projected total cumulative return: $97,422.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.2% |
| Monthly Cash Flow | $541 | $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 | $1,478 |
| Total Monthly Debt Service | $871 |
| DSCR Ratio | 1.70x |
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 1900
1.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36456, Mc Kenzie, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 899 (100%) |
| Owner Occupied HU | 579 (64.4%) |
| Renter Occupied HU | 171 (19.0%) |
| Vacant Housing Units | 149 (16.6%) |
| Median Home Value | $103,686 |
| Average Home Value | $139,991 |
Housing Distribution
Address Breakdown
Residential
821
Single Family
821
Multi-Family
0
Businesses
33
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 1900
1.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36456, Mc Kenzie, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 899 (100%) |
| Owner Occupied HU | 579 (64.4%) |
| Renter Occupied HU | 171 (19.0%) |
| Vacant Housing Units | 149 (16.6%) |
| Median Home Value | $103,686 |
| Average Home Value | $139,991 |
Housing Distribution
Address Breakdown
Residential
821
Single Family
821
Multi-Family
0
Businesses
33
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Angelina Jenkins • Outlaw Realty LLC
Mls Name: Wiregrass BOR
Mls ID: #553798
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.