1094 County Road 75ChancellorAL36316
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 1094 County Road 75, Chancellor, AL, 36316 in Chancellor is capital appreciation. Rental yield 2.88%. The 2.88% gross yield at $529,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $146,153 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.53) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $88,798.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 6.2% |
| Monthly Cash Flow | $(1,718) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,268 |
| Total Monthly Debt Service | $2,775 |
| DSCR Ratio | 0.46x |
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 1955
95 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36316, Chancellor, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 942 (100%) |
| Owner Occupied HU | 711 (75.5%) |
| Renter Occupied HU | 122 (13.0%) |
| Vacant Housing Units | 109 (11.6%) |
| Median Home Value | $198,522 |
| Average Home Value | $235,049 |
Housing Distribution
Address Breakdown
Residential
848
Single Family
848
Multi-Family
0
Businesses
23
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 1955
95 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36316, Chancellor, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 942 (100%) |
| Owner Occupied HU | 711 (75.5%) |
| Renter Occupied HU | 122 (13.0%) |
| Vacant Housing Units | 109 (11.6%) |
| Median Home Value | $198,522 |
| Average Home Value | $235,049 |
Housing Distribution
Address Breakdown
Residential
848
Single Family
848
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: JAN SAWYER • CENTURY 21 REGENCY REALTY
Mls Name: WBOR
Mls ID: #550384
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.