11495 County Road 97ElbertaAL36530
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 11495 County Road 97, Elberta, AL, 36530 in Elberta fits: $825,000, 2.97% gross yield, and a projected 5% annual appreciation rate adding $227,932 in value within five years. Rental yield 2.97%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.52) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $6,916/yr in principal paydown and $227,932 in appreciation project a total return of $126,992.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 8.0% |
| Monthly Cash Flow | $(2,617) | $400 |
City averages based on Elberta market data in our database. Property projections are estimates.
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 | $2,040 |
| Total Monthly Debt Service | $4,530 |
| DSCR Ratio | 0.45x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36530, Elberta, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,581 (100%) |
| Owner Occupied HU | 2,894 (63.2%) |
| Renter Occupied HU | 835 (18.2%) |
| Vacant Housing Units | 852 (18.6%) |
| Median Home Value | $286,771 |
| Average Home Value | $387,855 |
Housing Distribution
Address Breakdown
Residential
4,202
Single Family
4,202
Multi-Family
0
Businesses
154
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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
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