ALSTON Plan, Pheasant RunElbertaAL36530
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowALSTON Plan, Pheasant Run, Elberta, AL, 36530 in Elberta is a top-tier cash-flow asset. At $316,900 it produces $2,653/mo in rent and $1,036/mo in net monthly income, a 10.7% gross rental yield. The DSCR of 1.86 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $12,433. Five-year appreciation adds $87,554, driving a total cumulative return of $175,054.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 8.0% |
| Monthly Cash Flow | $1,036 | $400 |
City averages based on Elberta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,653 |
| Total Monthly Debt Service | $1,663 |
| DSCR Ratio | 1.60x |
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: 36530, Elberta, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,581 (100%) |
| Owner Occupied HU | 2,894 (63.2%) |
| Renter Occupied HU | 835 (18.2%) |
| Vacant Housing Units | 852 (18.6%) |
| Median Home Value | $286,771 |
| Average Home Value | $387,855 |
Housing Distribution
Address Breakdown
Residential
4,202
Single Family
4,202
Multi-Family
0
Businesses
154
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: 36530, Elberta, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,581 (100%) |
| Owner Occupied HU | 2,894 (63.2%) |
| Renter Occupied HU | 835 (18.2%) |
| Vacant Housing Units | 852 (18.6%) |
| Median Home Value | $286,771 |
| Average Home Value | $387,855 |
Housing Distribution
Address Breakdown
Residential
4,202
Single Family
4,202
Multi-Family
0
Businesses
154
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
