13475 County Road 14WaterlooAL35677
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 13475 County Road 14, Waterloo, AL, 35677 in Waterloo fits: $785,000, 2.29% gross yield, and a projected 5% annual appreciation rate adding $216,881 in value within five years. Rental yield 2.29%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.42) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $7,230/yr in principal paydown and $216,881 in appreciation project a total return of $107,210.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.3% | 7.0% |
| Monthly Cash Flow | $(2,931) | $400 |
City averages based on Waterloo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,500 |
| Total Monthly Debt Service | $4,119 |
| DSCR Ratio | 0.36x |
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 2023
9.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35677, Waterloo, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,023 (100%) |
| Owner Occupied HU | 618 (60.4%) |
| Renter Occupied HU | 124 (12.1%) |
| Vacant Housing Units | 281 (27.5%) |
| Median Home Value | $232,547 |
| Average Home Value | $281,108 |
Housing Distribution
Address Breakdown
Residential
911
Single Family
911
Multi-Family
0
Businesses
35
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 2023
9.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35677, Waterloo, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,023 (100%) |
| Owner Occupied HU | 618 (60.4%) |
| Renter Occupied HU | 124 (12.1%) |
| Vacant Housing Units | 281 (27.5%) |
| Median Home Value | $232,547 |
| Average Home Value | $281,108 |
Housing Distribution
Address Breakdown
Residential
911
Single Family
911
Multi-Family
0
Businesses
35
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer Mcgee • CRC Realty, Inc.
Mls Name: Strategic MLS Alliance
Mls ID: #519838
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.