55 Jemison Trails DrJemisonAL35085
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 55 Jemison Trails Dr, Jemison, AL, 35085 in Jemison speaks for itself: 11.55% gross on a $229,901 price, generating $2,213/mo in rent and $890/mo in net income after the $1,034/mo debt service. DSCR 2.14, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,682 stacks alongside $63,517 in projected five-year appreciation and $2,117/yr in principal reduction. Projected total cumulative return: $145,537.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 7.5% |
| Monthly Cash Flow | $890 | $250 |
City averages based on Jemison market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,213 |
| Total Monthly Debt Service | $1,206 |
| DSCR Ratio | 1.83x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35085, Jemison, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,885 (100%) |
| Owner Occupied HU | 2,808 (72.3%) |
| Renter Occupied HU | 722 (18.6%) |
| Vacant Housing Units | 355 ( 9.1%) |
| Median Home Value | $158,621 |
| Average Home Value | $196,735 |
Housing Distribution
Address Breakdown
Residential
3,654
Single Family
3,606
Multi-Family
48
Businesses
178
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35085, Jemison, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,885 (100%) |
| Owner Occupied HU | 2,808 (72.3%) |
| Renter Occupied HU | 722 (18.6%) |
| Vacant Housing Units | 355 ( 9.1%) |
| Median Home Value | $158,621 |
| Average Home Value | $196,735 |
Housing Distribution
Address Breakdown
Residential
3,654
Single Family
3,606
Multi-Family
48
Businesses
178
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices