996 County Road 89EthelsvilleAL35461
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 996 County Road 89, Ethelsville, AL, 35461 in Ethelsville deserves attention. This $119,900 property earns $1,267/mo in rent, a 12.68% gross yield, and nets $590/mo after the $539/mo payment. DSCR 2.35 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $33,126 compounds alongside $1,104/yr in yearly equity build, for a total cumulative return of $83,220.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.7% | 6.2% |
| Monthly Cash Flow | $590 | $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 | $1,267 |
| Total Monthly Debt Service | $629 |
| DSCR Ratio | 2.01x |
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.
Manufactured
Built in 2010
1.94 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35461, Ethelsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,026 (100%) |
| Owner Occupied HU | 744 (72.5%) |
| Renter Occupied HU | 107 (10.4%) |
| Vacant Housing Units | 175 (17.1%) |
| Median Home Value | $200,373 |
| Average Home Value | $229,419 |
Housing Distribution
Address Breakdown
Residential
902
Single Family
902
Multi-Family
0
Businesses
23
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
Manufactured
Built in 2010
1.94 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35461, Ethelsville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,026 (100%) |
| Owner Occupied HU | 744 (72.5%) |
| Renter Occupied HU | 107 (10.4%) |
| Vacant Housing Units | 175 (17.1%) |
| Median Home Value | $200,373 |
| Average Home Value | $229,419 |
Housing Distribution
Address Breakdown
Residential
902
Single Family
902
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Chris Lee • REALTYSOUTH-TUSCALOOSA
Mls Name: WAMLS
Mls Provider:
Mls ID: #162456
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.