548 Garst DrGardendaleAL35071
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 548 Garst Dr, Gardendale, AL, 35071 in Gardendale earns a 8.44% gross yield at $185,000. Rent of $1,348/mo nets $245/mo after the $832/mo mortgage. The 1.62 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $51,112 and $1,704/yr in equity accumulation project a total cumulative return of $89,297.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.0% |
| Monthly Cash Flow | $245 | $250 |
City averages based on Gardendale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,348 |
| Total Monthly Debt Service | $971 |
| DSCR Ratio | 1.39x |
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 1956
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35071, Gardendale, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,328 (100%) |
| Owner Occupied HU | 5,434 (74.2%) |
| Renter Occupied HU | 1,483 (20.2%) |
| Vacant Housing Units | 411 ( 5.6%) |
| Median Home Value | $305,155 |
| Average Home Value | $350,290 |
Housing Distribution
Address Breakdown
Residential
7,444
Single Family
6,835
Multi-Family
609
Businesses
673
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 1956
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35071, Gardendale, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,328 (100%) |
| Owner Occupied HU | 5,434 (74.2%) |
| Renter Occupied HU | 1,483 (20.2%) |
| Vacant Housing Units | 411 ( 5.6%) |
| Median Home Value | $305,155 |
| Average Home Value | $350,290 |
Housing Distribution
Address Breakdown
Residential
7,444
Single Family
6,835
Multi-Family
609
Businesses
673
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kristie Allred • Keller Williams Metro North
Mls Name: GALMLS
Mls Provider:
Mls ID: #21419592
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.