136 Labrador LnHarvestAL35749
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 136 Labrador Ln, Harvest, AL, 35749 in Harvest is straightforward: $272,400 in, $2,026/mo in rent, $459/mo out after debt service. The 8.92% gross yield and 1.65 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $75,259 by year five. With $2,509/yr in principal equity, the total cumulative return is projected at $134,077.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.2% |
| Monthly Cash Flow | $459 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,026 |
| Total Monthly Debt Service | $1,429 |
| DSCR Ratio | 1.42x |
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 N/A
0.32 Acres 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 N/A
0.32 Acres 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