7532 Spencer LnHelenaAL35080
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 7532 Spencer Ln, Helena, AL, 35080 in Helena speaks for itself: 10.11% gross on a $190,000 price, generating $1,601/mo in rent and $524/mo in net income after the $854/mo debt service. DSCR 1.87, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $6,290 stacks alongside $52,494 in projected five-year appreciation and $1,750/yr in principal reduction. Projected total cumulative return: $105,411.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 8.0% |
| Monthly Cash Flow | $524 | $300 |
City averages based on Helena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,601 |
| Total Monthly Debt Service | $1,001 |
| DSCR Ratio | 1.60x |
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 1998
N/A lot
$N/A/sqft
$50 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35080, Helena, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,287 (100%) |
| Owner Occupied HU | 6,454 (88.6%) |
| Renter Occupied HU | 712 ( 9.8%) |
| Vacant Housing Units | 121 ( 1.7%) |
| Median Home Value | $300,000 |
| Average Home Value | $341,545 |
Housing Distribution
Address Breakdown
Residential
7,372
Single Family
7,272
Multi-Family
100
Businesses
436
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 1998
N/A lot
$N/A/sqft
$50 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35080, Helena, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,287 (100%) |
| Owner Occupied HU | 6,454 (88.6%) |
| Renter Occupied HU | 712 ( 9.8%) |
| Vacant Housing Units | 121 ( 1.7%) |
| Median Home Value | $300,000 |
| Average Home Value | $341,545 |
Housing Distribution
Address Breakdown
Residential
7,372
Single Family
7,272
Multi-Family
100
Businesses
436
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Patsy Reed • ARC Realty Pelham Branch
Mls Name: GALMLS
Mls Provider:
Mls ID: #21426007
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.