633 Chelsea Station CirChelseaAL35043
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 633 Chelsea Station Cir, Chelsea, AL, 35043 in Chelsea at $410,000 earns $2,553/mo in rent and nets $197/mo after the $1,844/mo payment, a 7.47% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $113,275 over five years. Ziffy Mortgage underwrites this on a 1.38 DSCR without U.S. credit history. With $3,776/yr in principal paydown, total projected return reaches $167,345.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.2% |
| Monthly Cash Flow | $197 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,553 |
| Total Monthly Debt Service | $2,193 |
| DSCR Ratio | 1.16x |
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 2010
8,712 sqft lot
$N/A/sqft
$500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35043, Chelsea, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,419 (100%) |
| Owner Occupied HU | 4,842 (89.4%) |
| Renter Occupied HU | 424 ( 7.8%) |
| Vacant Housing Units | 153 ( 2.8%) |
| Median Home Value | $382,884 |
| Average Home Value | $433,704 |
Housing Distribution
Address Breakdown
Residential
5,713
Single Family
5,713
Multi-Family
0
Businesses
387
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 2010
8,712 sqft lot
$N/A/sqft
$500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35043, Chelsea, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,419 (100%) |
| Owner Occupied HU | 4,842 (89.4%) |
| Renter Occupied HU | 424 ( 7.8%) |
| Vacant Housing Units | 153 ( 2.8%) |
| Median Home Value | $382,884 |
| Average Home Value | $433,704 |
Housing Distribution
Address Breakdown
Residential
5,713
Single Family
5,713
Multi-Family
0
Businesses
387
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: David Mackle • ARC Realty Cahaba Heights
Mls Name: GALMLS
Mls Provider:
Mls ID: #21416510
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.