582 County Road 4HollytreeAL35751
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 582 County Road 4, Hollytree, AL, 35751 in Hollytree. Rental yield 2.32%. At $779,000 with 2.32% gross yield, current distributions are modest, but the 5% appreciation rate projects $215,223 in new equity by year five, complemented by $7,175/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.43) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $107,495.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.3% | 7.0% |
| Monthly Cash Flow | $(2,891) | $350 |
City averages based on Hollytree market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,506 |
| Total Monthly Debt Service | $4,087 |
| 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 N/A
7.63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35751, Hollytree, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 121 (100%) |
| Owner Occupied HU | 88 (72.7%) |
| Renter Occupied HU | 16 (13.2%) |
| Vacant Housing Units | 17 (14.0%) |
| Median Home Value | $162,500 |
| Average Home Value | $249,318 |
Housing Distribution
Address Breakdown
Residential
103
Single Family
103
Multi-Family
0
Businesses
0
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 N/A
7.63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35751, Hollytree, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 121 (100%) |
| Owner Occupied HU | 88 (72.7%) |
| Renter Occupied HU | 16 (13.2%) |
| Vacant Housing Units | 17 (14.0%) |
| Median Home Value | $162,500 |
| Average Home Value | $249,318 |
Housing Distribution
Address Breakdown
Residential
103
Single Family
103
Multi-Family
0
Businesses
0
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices