0 State Highway 13Bear CreekAL35543
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 0 State Highway 13, Bear Creek, AL, 35543 in Bear Creek worth study. Rental yield 5.31%. The 5.31% gross yield is below cash-flow benchmarks at $349,000, but 5% annual appreciation, adding $96,422 over five years, frames this as a capital growth position. Rent of $1,543/mo partially offsets the $1,569/mo payment. Ziffy Mortgage finances appreciation-play properties (0.98 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $104,102.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 10.0% |
| Monthly Cash Flow | $(427) | $2,500 |
City averages based on Bear Creek market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,543 |
| Total Monthly Debt Service | $1,831 |
| DSCR Ratio | 0.84x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
10.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35543, Bear Creek, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 521 (100%) |
| Owner Occupied HU | 362 (69.5%) |
| Renter Occupied HU | 89 (17.1%) |
| Vacant Housing Units | 70 (13.4%) |
| Median Home Value | $82,222 |
| Average Home Value | $125,656 |
Housing Distribution
Address Breakdown
Residential
436
Single Family
436
Multi-Family
0
Businesses
38
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
10.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35543, Bear Creek, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 521 (100%) |
| Owner Occupied HU | 362 (69.5%) |
| Renter Occupied HU | 89 (17.1%) |
| Vacant Housing Units | 70 (13.4%) |
| Median Home Value | $82,222 |
| Average Home Value | $125,656 |
Housing Distribution
Address Breakdown
Residential
436
Single Family
436
Multi-Family
0
Businesses
38
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Austin Littrell • Mossy Oak Properties Southeast Land & Wildlife, LLC
Mls Name: REALSTACK
Mls ID: #78233