Premier Series 1963 Plan, Chadwick PointeHarvestAL35749
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, Premier Series 1963 Plan, Chadwick Pointe, Harvest, AL, 35749 in Harvest is a conservative rental investment at $351,900. The 6.91% yield from $2,026/mo in rent nets $39/mo after the $1,582/mo debt. A 1.28 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $97,223; $3,241/yr in principal paydown supplements. Total projected return: $135,223.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.8% |
| Monthly Cash Flow | $39 | $450 |
City averages based on Harvest market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,026 |
| Total Monthly Debt Service | $1,846 |
| DSCR Ratio | 1.10x |
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: 35749, Harvest, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,975 (100%) |
| Owner Occupied HU | 9,459 (86.2%) |
| Renter Occupied HU | 1,200 (10.9%) |
| Vacant Housing Units | 316 ( 2.9%) |
| Median Home Value | $321,761 |
| Average Home Value | $361,588 |
Housing Distribution
Address Breakdown
Residential
11,286
Single Family
11,264
Multi-Family
22
Businesses
258
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: 35749, Harvest, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,975 (100%) |
| Owner Occupied HU | 9,459 (86.2%) |
| Renter Occupied HU | 1,200 (10.9%) |
| Vacant Housing Units | 316 ( 2.9%) |
| Median Home Value | $321,761 |
| Average Home Value | $361,588 |
Housing Distribution
Address Breakdown
Residential
11,286
Single Family
11,264
Multi-Family
22
Businesses
258
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
