13 Timbers Main SE #15BrownsboroAL35741
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 13 Timbers Main SE #15, Brownsboro, AL, 35741 in Brownsboro at $399,900, 5.28% gross yield, is a market-growth asset. Rental yield 5.28%. The $1,759/mo rent partially funds the $1,798/mo debt service; the core return is the 5%/yr price growth projected to add $110,485 over five years. Ziffy Mortgage's DSCR mortgage (0.98) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $118,681.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 6.0% |
| Monthly Cash Flow | $(873) | $800 |
City averages based on Brownsboro market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,759 |
| Total Monthly Debt Service | $2,098 |
| 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.
Condo
Built in 2019
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35741, Brownsboro, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,957 (100%) |
| Owner Occupied HU | 1,476 (75.4%) |
| Renter Occupied HU | 389 (19.9%) |
| Vacant Housing Units | 92 ( 4.7%) |
| Median Home Value | $396,084 |
| Average Home Value | $466,258 |
Housing Distribution
Address Breakdown
Residential
1,746
Single Family
1,374
Multi-Family
372
Businesses
116
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
Condo
Built in 2019
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35741, Brownsboro, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,957 (100%) |
| Owner Occupied HU | 1,476 (75.4%) |
| Renter Occupied HU | 389 (19.9%) |
| Vacant Housing Units | 92 ( 4.7%) |
| Median Home Value | $396,084 |
| Average Home Value | $466,258 |
Housing Distribution
Address Breakdown
Residential
1,746
Single Family
1,374
Multi-Family
372
Businesses
116
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Estelle Phillips • Coldwell Banker First
Mls Name: ValleyMLS
Mls ID: #21909026