130 Rufus White RdAshfordAL36312
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 130 Rufus White Rd, Ashford, AL, 36312 in Ashford fits: $639,000, 3.52% gross yield, and a projected 5% annual appreciation rate adding $176,544 in value within five years. Rental yield 3.52%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.65) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,885/yr in principal paydown and $176,544 in appreciation project a total return of $129,239.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 8.0% |
| Monthly Cash Flow | $(1,734) | $350 |
City averages based on Ashford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,873 |
| Total Monthly Debt Service | $3,353 |
| DSCR Ratio | 0.56x |
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 2021
25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36312, Ashford, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,977 (100%) |
| Owner Occupied HU | 2,019 (67.8%) |
| Renter Occupied HU | 690 (23.2%) |
| Vacant Housing Units | 268 ( 9.0%) |
| Median Home Value | $217,007 |
| Average Home Value | $245,414 |
Housing Distribution
Address Breakdown
Residential
2,682
Single Family
2,676
Multi-Family
6
Businesses
124
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 2021
25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36312, Ashford, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,977 (100%) |
| Owner Occupied HU | 2,019 (67.8%) |
| Renter Occupied HU | 690 (23.2%) |
| Vacant Housing Units | 268 ( 9.0%) |
| Median Home Value | $217,007 |
| Average Home Value | $245,414 |
Housing Distribution
Address Breakdown
Residential
2,682
Single Family
2,676
Multi-Family
6
Businesses
124
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Connie Watkins • Weichert Realtors JBR Legacy Group
Mls Name: SAMLS
Mls ID: #203318
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.