7840 Charlie Shirley RdNorthportAL35473
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 7840 Charlie Shirley Rd, Northport, AL, 35473 in Northport at $405,900, 5.89% gross yield, is a market-growth asset. Rental yield 5.89%. The $1,993/mo rent partially funds the $1,825/mo debt service; the core return is the 5%/yr price growth projected to add $112,143 over five years. Ziffy Mortgage's DSCR mortgage (1.09) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $133,803.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.2% |
| Monthly Cash Flow | $(298) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,993 |
| Total Monthly Debt Service | $2,130 |
| DSCR Ratio | 0.94x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1977
1.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35473, Northport, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,684 (100%) |
| Owner Occupied HU | 5,717 (65.8%) |
| Renter Occupied HU | 2,419 (27.9%) |
| Vacant Housing Units | 548 ( 6.3%) |
| Median Home Value | $277,844 |
| Average Home Value | $372,403 |
Housing Distribution
Address Breakdown
Residential
7,688
Single Family
6,852
Multi-Family
836
Businesses
315
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 1977
1.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35473, Northport, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,684 (100%) |
| Owner Occupied HU | 5,717 (65.8%) |
| Renter Occupied HU | 2,419 (27.9%) |
| Vacant Housing Units | 548 ( 6.3%) |
| Median Home Value | $277,844 |
| Average Home Value | $372,403 |
Housing Distribution
Address Breakdown
Residential
7,688
Single Family
6,852
Multi-Family
836
Businesses
315
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices