13321 E State Highway 52HartfordAL36344
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 13321 E State Highway 52, Hartford, AL, 36344 in Hartford is capital appreciation. Rental yield 5.85%. The 5.85% gross yield at $307,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $84,818 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.08) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $100,487.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 8.0% |
| Monthly Cash Flow | $(236) | $300 |
City averages based on Hartford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,496 |
| Total Monthly Debt Service | $1,611 |
| DSCR Ratio | 0.93x |
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 1976
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36344, Hartford, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,543 (100%) |
| Owner Occupied HU | 1,653 (65.0%) |
| Renter Occupied HU | 581 (22.8%) |
| Vacant Housing Units | 309 (12.2%) |
| Median Home Value | $171,985 |
| Average Home Value | $201,239 |
Housing Distribution
Address Breakdown
Residential
2,463
Single Family
2,407
Multi-Family
56
Businesses
178
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 1976
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36344, Hartford, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,543 (100%) |
| Owner Occupied HU | 1,653 (65.0%) |
| Renter Occupied HU | 581 (22.8%) |
| Vacant Housing Units | 309 (12.2%) |
| Median Home Value | $171,985 |
| Average Home Value | $201,239 |
Housing Distribution
Address Breakdown
Residential
2,463
Single Family
2,407
Multi-Family
56
Businesses
178
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Diane Alpeter • COLDWELL BANKER PRESTIGE HOMES AND REAL ESTATE
Mls Name: WBOR
Mls ID: #549163
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.