648 Beech Grove RdTownleyAL35587
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.05% yield at 648 Beech Grove Rd, Townley, AL, 35587 in Townley is solid, but the $1,124/mo payment compresses net cash flow to $58/mo at $250,000. 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 $69,070 by year five, and $2,303/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.31) without U.S. income documentation. Total projected return: $97,969.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 10.0% |
| Monthly Cash Flow | $58 | $300 |
City averages based on Townley market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,469 |
| Total Monthly Debt Service | $1,312 |
| 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 1946
11 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35587, Townley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 411 (100%) |
| Owner Occupied HU | 313 (76.2%) |
| Renter Occupied HU | 52 (12.7%) |
| Vacant Housing Units | 46 (11.2%) |
| Median Home Value | $82,241 |
| Average Home Value | $106,486 |
Housing Distribution
Address Breakdown
Residential
418
Single Family
418
Multi-Family
0
Businesses
16
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 1946
11 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35587, Townley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 411 (100%) |
| Owner Occupied HU | 313 (76.2%) |
| Renter Occupied HU | 52 (12.7%) |
| Vacant Housing Units | 46 (11.2%) |
| Median Home Value | $82,241 |
| Average Home Value | $106,486 |
Housing Distribution
Address Breakdown
Residential
418
Single Family
418
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices