730 Clover CirSpringvilleAL35146
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 730 Clover Cir, Springville, AL, 35146 in Springville: $1,660/mo in rent, $333/mo in net income, 8.58% gross yield, 1.59 DSCR, all at $232,100. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $64,125 in appreciation and $2,138/yr in principal paydown projects total cumulative return of $108,928.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.5% |
| Monthly Cash Flow | $333 | $1,500 |
City averages based on Springville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,660 |
| Total Monthly Debt Service | $1,235 |
| DSCR Ratio | 1.34x |
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 2018
6,098 sqft lot
$N/A/sqft
$17 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35146, Springville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,081 (100%) |
| Owner Occupied HU | 4,314 (84.9%) |
| Renter Occupied HU | 541 (10.6%) |
| Vacant Housing Units | 226 ( 4.4%) |
| Median Home Value | $295,501 |
| Average Home Value | $327,701 |
Housing Distribution
Address Breakdown
Residential
5,035
Single Family
5,035
Multi-Family
0
Businesses
324
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 2018
6,098 sqft lot
$N/A/sqft
$17 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35146, Springville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,081 (100%) |
| Owner Occupied HU | 4,314 (84.9%) |
| Renter Occupied HU | 541 (10.6%) |
| Vacant Housing Units | 226 ( 4.4%) |
| Median Home Value | $295,501 |
| Average Home Value | $327,701 |
Housing Distribution
Address Breakdown
Residential
5,035
Single Family
5,035
Multi-Family
0
Businesses
324
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A