13846 Sand Trap DrAthensAL35611
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 13846 Sand Trap Dr, Athens, AL, 35611 in Athens fits: $656,900, 5% gross yield, and a projected 5% annual appreciation rate adding $181,489 in value within five years. Rental yield 5%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.93) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $6,050/yr in principal paydown and $181,489 in appreciation project a total return of $180,105.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.8% |
| Monthly Cash Flow | $(1,053) | $850 |
City averages based on Athens market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,738 |
| Total Monthly Debt Service | $3,530 |
| DSCR Ratio | 0.78x |
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 N/A
0.42 Acres lot
$N/A/sqft
$1,000 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35611, Athens, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,458 (100%) |
| Owner Occupied HU | 7,619 (56.6%) |
| Renter Occupied HU | 4,425 (32.9%) |
| Vacant Housing Units | 1,414 (10.5%) |
| Median Home Value | $269,539 |
| Average Home Value | $297,129 |
Housing Distribution
Address Breakdown
Residential
12,482
Single Family
11,320
Multi-Family
1,162
Businesses
991
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 N/A
0.42 Acres lot
$N/A/sqft
$1,000 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35611, Athens, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,458 (100%) |
| Owner Occupied HU | 7,619 (56.6%) |
| Renter Occupied HU | 4,425 (32.9%) |
| Vacant Housing Units | 1,414 (10.5%) |
| Median Home Value | $269,539 |
| Average Home Value | $297,129 |
Housing Distribution
Address Breakdown
Residential
12,482
Single Family
11,320
Multi-Family
1,162
Businesses
991
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John Steger • Woodland Real Estate, Inc.
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21868746
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