12801 State Highway 94GradyAL36036
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 12801 State Highway 94, Grady, AL, 36036 in Grady at $375,000. Rental yield 6.45%. The 6.45% yield and 1.20 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $103,606 by year five, and $3,454/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $134,792.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 6.0% |
| Monthly Cash Flow | $(102) | $400 |
City averages based on Grady market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,015 |
| Total Monthly Debt Service | $1,967 |
| DSCR Ratio | 1.02x |
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 1951
13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36036, Grady, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 897 (100%) |
| Owner Occupied HU | 688 (76.7%) |
| Renter Occupied HU | 128 (14.3%) |
| Vacant Housing Units | 81 ( 9.0%) |
| Median Home Value | $228,448 |
| Average Home Value | $268,110 |
Housing Distribution
Address Breakdown
Residential
987
Single Family
987
Multi-Family
0
Businesses
27
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 1951
13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36036, Grady, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 897 (100%) |
| Owner Occupied HU | 688 (76.7%) |
| Renter Occupied HU | 128 (14.3%) |
| Vacant Housing Units | 81 ( 9.0%) |
| Median Home Value | $228,448 |
| Average Home Value | $268,110 |
Housing Distribution
Address Breakdown
Residential
987
Single Family
987
Multi-Family
0
Businesses
27
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tammy Cargile • Sellers Realty
Mls Name: Wiregrass BOR
Mls ID: #553915
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.