7972 Sumter #9YorkAL36925
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 7972 Sumter #9, York, AL, 36925 in York: $1,054/mo in rent, $359/mo in net income, 10.28% gross yield, 1.91 DSCR, all at $123,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $33,983 in appreciation and $1,133/yr in principal paydown projects total cumulative return of $69,514.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 8.0% |
| Monthly Cash Flow | $359 | $1,200 |
City averages based on York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,054 |
| Total Monthly Debt Service | $645 |
| DSCR Ratio | 1.63x |
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 1950
1.06 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36925, York, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,743 (100%) |
| Owner Occupied HU | 919 (52.7%) |
| Renter Occupied HU | 493 (28.3%) |
| Vacant Housing Units | 331 (19.0%) |
| Median Home Value | $63,936 |
| Average Home Value | $110,144 |
Housing Distribution
Address Breakdown
Residential
1,371
Single Family
1,347
Multi-Family
24
Businesses
130
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 1950
1.06 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36925, York, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,743 (100%) |
| Owner Occupied HU | 919 (52.7%) |
| Renter Occupied HU | 493 (28.3%) |
| Vacant Housing Units | 331 (19.0%) |
| Median Home Value | $63,936 |
| Average Home Value | $110,144 |
Housing Distribution
Address Breakdown
Residential
1,371
Single Family
1,347
Multi-Family
24
Businesses
130
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices