13660 J C Gilliam RdBerryAL35546
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 13660 J C Gilliam Rd, Berry, AL, 35546 in Berry the bet is firmly on appreciation. Rental yield 0%. The 0% gross yield on a $409,900 price is below income-first thresholds, but 5%/yr value growth projects $113,248 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (1.34) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $163,280.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0% | 8.0% |
| Monthly Cash Flow | $0 | $1,500 |
City averages based on Berry market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,470 |
| Total Monthly Debt Service | $2,171 |
| DSCR Ratio | 1.14x |
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 2025
1.39 Acres lot
$N/A/sqft
$250 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35546, Berry, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,918 (100%) |
| Owner Occupied HU | 1,334 (69.6%) |
| Renter Occupied HU | 364 (19.0%) |
| Vacant Housing Units | 220 (11.5%) |
| Median Home Value | $208,278 |
| Average Home Value | $297,918 |
Housing Distribution
Address Breakdown
Residential
1,882
Single Family
1,882
Multi-Family
0
Businesses
64
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 2025
1.39 Acres lot
$N/A/sqft
$250 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35546, Berry, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,918 (100%) |
| Owner Occupied HU | 1,334 (69.6%) |
| Renter Occupied HU | 364 (19.0%) |
| Vacant Housing Units | 220 (11.5%) |
| Median Home Value | $208,278 |
| Average Home Value | $297,918 |
Housing Distribution
Address Breakdown
Residential
1,882
Single Family
1,882
Multi-Family
0
Businesses
64
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ashley Creel • Corder Real Estate
Mls Name: WAMLS
Mls Provider:
Mls ID: #168206
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.