590 Tenbury LnCropwellAL35054
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.04% yield at 590 Tenbury Ln, Cropwell, AL, 35054 in Cropwell is solid, but the $1,974/mo payment compresses net cash flow to $97/mo at $439,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $121,288 by year five, and $4,043/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.30) without U.S. income documentation. Total projected return: $171,672.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 8.0% |
| Monthly Cash Flow | $97 | $300 |
City averages based on Cropwell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,575 |
| Total Monthly Debt Service | $2,303 |
| DSCR Ratio | 1.12x |
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 2016
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35054, Cropwell, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,273 (100%) |
| Owner Occupied HU | 1,551 (68.2%) |
| Renter Occupied HU | 278 (12.2%) |
| Vacant Housing Units | 444 (19.5%) |
| Median Home Value | $328,886 |
| Average Home Value | $330,409 |
Housing Distribution
Address Breakdown
Residential
2,027
Single Family
2,027
Multi-Family
0
Businesses
140
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 2016
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35054, Cropwell, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,273 (100%) |
| Owner Occupied HU | 1,551 (68.2%) |
| Renter Occupied HU | 278 (12.2%) |
| Vacant Housing Units | 444 (19.5%) |
| Median Home Value | $328,886 |
| Average Home Value | $330,409 |
Housing Distribution
Address Breakdown
Residential
2,027
Single Family
2,027
Multi-Family
0
Businesses
140
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices