92 Wilcot RdMadisonAL35759
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.15% yield at 92 Wilcot Rd, Madison, AL, 35759 in Madison is solid, but the $1,803/mo payment compresses net cash flow to $125/mo at $400,970. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $110,781 by year five, and $3,693/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.32) without U.S. income documentation. Total projected return: $159,160.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 5.8% |
| Monthly Cash Flow | $125 | $420 |
City averages based on Madison market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,388 |
| Total Monthly Debt Service | $2,104 |
| DSCR Ratio | 1.14x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35759, Meridianville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,413 (100%) |
| Owner Occupied HU | 4,647 (85.8%) |
| Renter Occupied HU | 536 ( 9.9%) |
| Vacant Housing Units | 230 ( 4.2%) |
| Median Home Value | $317,342 |
| Average Home Value | $350,392 |
Housing Distribution
Address Breakdown
Residential
5,332
Single Family
5,332
Multi-Family
0
Businesses
235
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35759, Meridianville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,413 (100%) |
| Owner Occupied HU | 4,647 (85.8%) |
| Renter Occupied HU | 536 ( 9.9%) |
| Vacant Housing Units | 230 ( 4.2%) |
| Median Home Value | $317,342 |
| Average Home Value | $350,392 |
Housing Distribution
Address Breakdown
Residential
5,332
Single Family
5,332
Multi-Family
0
Businesses
235
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
