63 Summer StOpelikaAL36804
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 63 Summer St, Opelika, AL, 36804 in Opelika: $3,143/mo in rent, $1,154/mo net, 10.7% gross yield, all on a $352,335 acquisition. The 1.98 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $97,344 in value, and $3,245/yr in principal paydown steadily builds equity. Projected total cumulative return: $207,078.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 5.8% |
| Monthly Cash Flow | $1,154 | $420 |
City averages based on Opelika market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,143 |
| Total Monthly Debt Service | $1,849 |
| DSCR Ratio | 1.70x |
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 2025
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36804, Opelika, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,282 (100%) |
| Owner Occupied HU | 6,903 (74.4%) |
| Renter Occupied HU | 1,851 (19.9%) |
| Vacant Housing Units | 528 ( 5.7%) |
| Median Home Value | $270,503 |
| Average Home Value | $300,208 |
Housing Distribution
Address Breakdown
Residential
9,131
Single Family
8,525
Multi-Family
606
Businesses
284
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 2025
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36804, Opelika, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,282 (100%) |
| Owner Occupied HU | 6,903 (74.4%) |
| Renter Occupied HU | 1,851 (19.9%) |
| Vacant Housing Units | 528 ( 5.7%) |
| Median Home Value | $270,503 |
| Average Home Value | $300,208 |
Housing Distribution
Address Breakdown
Residential
9,131
Single Family
8,525
Multi-Family
606
Businesses
284
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices