904 Main St EHartselleAL35640
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 904 Main St E, Hartselle, AL, 35640 in Hartselle is straightforward: $189,900 in, $1,332/mo in rent, $246/mo out after debt service. The 8.42% gross yield and 1.56 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $52,466 by year five. With $1,749/yr in principal equity, the total cumulative return is projected at $87,486.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 7.5% |
| Monthly Cash Flow | $246 | $300 |
City averages based on Hartselle market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,332 |
| Total Monthly Debt Service | $1,011 |
| DSCR Ratio | 1.32x |
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
N/A 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 N/A
N/A 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: Blake Wright • Southern Oak Properties, Inc
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21877588
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