842 County Road 120RockfordAL35136
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play842 County Road 120, Rockford, AL, 35136 in Rockford is priced for appreciation, not yield. Rental yield 0%. At $895,000 with a 0% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $247,272 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.36) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $104,715.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 0% | 6.2% |
| Monthly Cash Flow | $0 | $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 | $1,438 |
| Total Monthly Debt Service | $4,696 |
| DSCR Ratio | 0.31x |
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 1923
66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35136, Rockford, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,031 (100%) |
| Owner Occupied HU | 560 (54.3%) |
| Renter Occupied HU | 111 (10.8%) |
| Vacant Housing Units | 360 (34.9%) |
| Median Home Value | $227,059 |
| Average Home Value | $230,759 |
Housing Distribution
Address Breakdown
Residential
745
Single Family
745
Multi-Family
0
Businesses
86
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 1923
66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35136, Rockford, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,031 (100%) |
| Owner Occupied HU | 560 (54.3%) |
| Renter Occupied HU | 111 (10.8%) |
| Vacant Housing Units | 360 (34.9%) |
| Median Home Value | $227,059 |
| Average Home Value | $230,759 |
Housing Distribution
Address Breakdown
Residential
745
Single Family
745
Multi-Family
0
Businesses
86
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Daniel Worthington • ARC Realty 280
Mls Name: GALMLS
Mls Provider:
Mls ID: #21414972
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.