5410 River Oak WayPhenix cityAL36867
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 2.57% gross rental yield, 5410 River Oak Way, Phenix city, AL, 36867 in Phenix city is priced for capital growth, not immediate cash flow. The $1,290,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $356,403 by year five, with $11,881/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.48) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $158,654.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 7.8% |
| Monthly Cash Flow | $(5,130) | $420 |
City averages based on Phenix city market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,760 |
| Total Monthly Debt Service | $7,377 |
| DSCR Ratio | 0.37x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1994
1.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36867, Phenix City, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,988 (100%) |
| Owner Occupied HU | 4,689 (42.7%) |
| Renter Occupied HU | 5,283 (48.1%) |
| Vacant Housing Units | 1,016 ( 9.2%) |
| Median Home Value | $205,048 |
| Average Home Value | $271,717 |
Housing Distribution
Address Breakdown
Residential
10,181
Single Family
8,150
Multi-Family
2,031
Businesses
738
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 1994
1.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36867, Phenix City, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,988 (100%) |
| Owner Occupied HU | 4,689 (42.7%) |
| Renter Occupied HU | 5,283 (48.1%) |
| Vacant Housing Units | 1,016 ( 9.2%) |
| Median Home Value | $205,048 |
| Average Home Value | $271,717 |
Housing Distribution
Address Breakdown
Residential
10,181
Single Family
8,150
Multi-Family
2,031
Businesses
738
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Steve Kash • Keller Williams Realty River Cities
Mls Name: CBORGA
Mls Provider:
Mls ID: #218177
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.