820 Nance Ford Rd SWHartselleAL35640
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 820 Nance Ford Rd SW, Hartselle, AL, 35640 in Hartselle speaks for itself: 10.86% gross on a $119,900 price, generating $1,358/mo in rent and $511/mo in net income after the $539/mo debt service. DSCR 2.52, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $6,136 stacks alongside $33,126 in projected five-year appreciation and $1,104/yr in principal reduction. Projected total cumulative return: $89,088.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 7.5% |
| Monthly Cash Flow | $511 | $300 |
City averages based on Hartselle market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,358 |
| Total Monthly Debt Service | $629 |
| DSCR Ratio | 2.16x |
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 1943
0.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35640, Hartselle, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,314 (100%) |
| Owner Occupied HU | 8,125 (71.8%) |
| Renter Occupied HU | 2,417 (21.4%) |
| Vacant Housing Units | 772 ( 6.8%) |
| Median Home Value | $278,919 |
| Average Home Value | $309,046 |
Housing Distribution
Address Breakdown
Residential
11,107
Single Family
10,956
Multi-Family
151
Businesses
756
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 1943
0.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35640, Hartselle, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,314 (100%) |
| Owner Occupied HU | 8,125 (71.8%) |
| Renter Occupied HU | 2,417 (21.4%) |
| Vacant Housing Units | 772 ( 6.8%) |
| Median Home Value | $278,919 |
| Average Home Value | $309,046 |
Housing Distribution
Address Breakdown
Residential
11,107
Single Family
10,956
Multi-Family
151
Businesses
756
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Clint Murphy • MeritHouse Realty
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21888008
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