6636 Spring StTrussvilleAL35173
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 6636 Spring St, Trussville, AL, 35173 in Trussville: $2,672/mo in rent, $466/mo in net income, 8.54% gross yield, 1.58 DSCR, all at $375,580. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $103,766 in appreciation and $3,459/yr in principal paydown projects total cumulative return of $177,067.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $466 | $1,200 |
City averages based on Trussville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,672 |
| Total Monthly Debt Service | $1,971 |
| DSCR Ratio | 1.36x |
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.
Townhouse
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35173, Trussville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,820 (100%) |
| Owner Occupied HU | 10,116 (85.6%) |
| Renter Occupied HU | 1,187 (10.0%) |
| Vacant Housing Units | 517 ( 4.4%) |
| Median Home Value | $358,083 |
| Average Home Value | $390,275 |
Housing Distribution
Address Breakdown
Residential
12,172
Single Family
12,085
Multi-Family
87
Businesses
1,003
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
Townhouse
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35173, Trussville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,820 (100%) |
| Owner Occupied HU | 10,116 (85.6%) |
| Renter Occupied HU | 1,187 (10.0%) |
| Vacant Housing Units | 517 ( 4.4%) |
| Median Home Value | $358,083 |
| Average Home Value | $390,275 |
Housing Distribution
Address Breakdown
Residential
12,172
Single Family
12,085
Multi-Family
87
Businesses
1,003
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Pam Carroll • Harris Doyle Homes
Mls Name: GALMLS
Mls ID: #21442382