1033 Willoughby RdAlbertvilleAL35951
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 1033 Willoughby Rd, Albertville, AL, 35951 in Albertville fits: $480,000, 5.64% gross yield, and a projected 5% annual appreciation rate adding $132,615 in value within five years. Rental yield 5.64%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.04) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,421/yr in principal paydown and $132,615 in appreciation project a total return of $151,655.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 8.0% |
| Monthly Cash Flow | $(455) | $400 |
City averages based on Albertville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,255 |
| Total Monthly Debt Service | $2,518 |
| DSCR Ratio | 0.90x |
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 1981
8 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35951, Albertville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,653 (100%) |
| Owner Occupied HU | 3,723 (65.9%) |
| Renter Occupied HU | 1,523 (26.9%) |
| Vacant Housing Units | 407 ( 7.2%) |
| Median Home Value | $153,580 |
| Average Home Value | $236,315 |
Housing Distribution
Address Breakdown
Residential
5,671
Single Family
5,532
Multi-Family
139
Businesses
166
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 1981
8 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35951, Albertville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,653 (100%) |
| Owner Occupied HU | 3,723 (65.9%) |
| Renter Occupied HU | 1,523 (26.9%) |
| Vacant Housing Units | 407 ( 7.2%) |
| Median Home Value | $153,580 |
| Average Home Value | $236,315 |
Housing Distribution
Address Breakdown
Residential
5,671
Single Family
5,532
Multi-Family
139
Businesses
166
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Heath Landers • Southern Elite Realty
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21891232
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