Winston Plan, Kimbrell StationMcCallaAL35111
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: Winston Plan, Kimbrell Station, McCalla, AL, 35111 in McCalla at $332,850 earns $2,394/mo in rent and nets $115/mo after the $1,497/mo payment, a 8.63% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $91,960 over five years. Ziffy Mortgage underwrites this on a 1.60 DSCR without U.S. credit history. With $3,066/yr in principal paydown, total projected return reaches $134,595.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 12.0% |
| Monthly Cash Flow | $115 | $1,200 |
City averages based on McCalla market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,394 |
| Total Monthly Debt Service | $2,146 |
| DSCR Ratio | 1.12x |
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 2026
N/A lot
$N/A/sqft
$400 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35111, Mc Calla, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,079 (100%) |
| Owner Occupied HU | 6,659 (82.4%) |
| Renter Occupied HU | 881 (10.9%) |
| Vacant Housing Units | 539 ( 6.7%) |
| Median Home Value | $291,463 |
| Average Home Value | $316,877 |
Housing Distribution
Address Breakdown
Residential
7,145
Single Family
7,098
Multi-Family
47
Businesses
357
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 2026
N/A lot
$N/A/sqft
$400 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35111, Mc Calla, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,079 (100%) |
| Owner Occupied HU | 6,659 (82.4%) |
| Renter Occupied HU | 881 (10.9%) |
| Vacant Housing Units | 539 ( 6.7%) |
| Median Home Value | $291,463 |
| Average Home Value | $316,877 |
Housing Distribution
Address Breakdown
Residential
7,145
Single Family
7,098
Multi-Family
47
Businesses
357
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
