820 County Road 380CentreAL35960
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow820 County Road 380, Centre, AL, 35960 in Centre is a top-tier cash-flow asset. At $360,000 it produces $3,089/mo in rent and $1,057/mo in net monthly income, a 10.3% gross rental yield. The DSCR of 1.91 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $12,681. Five-year appreciation adds $99,461, driving a total cumulative return of $203,655.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $1,057 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,089 |
| Total Monthly Debt Service | $1,889 |
| DSCR Ratio | 1.64x |
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 N/A
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35960, Centre, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,915 (100%) |
| Owner Occupied HU | 3,169 (53.6%) |
| Renter Occupied HU | 935 (15.8%) |
| Vacant Housing Units | 1,811 (30.6%) |
| Median Home Value | $248,768 |
| Average Home Value | $313,077 |
Housing Distribution
Address Breakdown
Residential
4,738
Single Family
4,590
Multi-Family
148
Businesses
496
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 N/A
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35960, Centre, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,915 (100%) |
| Owner Occupied HU | 3,169 (53.6%) |
| Renter Occupied HU | 935 (15.8%) |
| Vacant Housing Units | 1,811 (30.6%) |
| Median Home Value | $248,768 |
| Average Home Value | $313,077 |
Housing Distribution
Address Breakdown
Residential
4,738
Single Family
4,590
Multi-Family
148
Businesses
496
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices