7220 Silver LnAdgerAL35006
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 7220 Silver Ln, Adger, AL, 35006 in Adger: $1,505/mo in rent, $326/mo in net income, 8.65% gross yield, 1.60 DSCR, all at $208,800. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $57,688 in appreciation and $1,923/yr in principal paydown projects total cumulative return of $99,716.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 8.0% |
| Monthly Cash Flow | $326 | $250 |
City averages based on Adger market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,505 |
| Total Monthly Debt Service | $1,095 |
| DSCR Ratio | 1.37x |
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 1979
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35006, Adger, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,575 (100%) |
| Owner Occupied HU | 1,076 (68.3%) |
| Renter Occupied HU | 187 (11.9%) |
| Vacant Housing Units | 312 (19.8%) |
| Median Home Value | $206,838 |
| Average Home Value | $245,704 |
Housing Distribution
Address Breakdown
Residential
1,586
Single Family
1,586
Multi-Family
0
Businesses
68
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 1979
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35006, Adger, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,575 (100%) |
| Owner Occupied HU | 1,076 (68.3%) |
| Renter Occupied HU | 187 (11.9%) |
| Vacant Housing Units | 312 (19.8%) |
| Median Home Value | $206,838 |
| Average Home Value | $245,704 |
Housing Distribution
Address Breakdown
Residential
1,586
Single Family
1,586
Multi-Family
0
Businesses
68
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices