13900 County Road 83ElbertaAL36530
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Elberta rentals match the income profile of 13900 County Road 83, Elberta, AL, 36530. Listed at $222,500, gross rent is $2,357/mo and net cash flow is $1,101/mo, a 12.71% yield well above national averages. DSCR 2.35 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $61,473 by year five with $2,049/yr in annual principal reduction, projecting $154,771 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.7% | 8.0% |
| Monthly Cash Flow | $1,101 | $400 |
City averages based on Elberta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,357 |
| Total Monthly Debt Service | $1,167 |
| DSCR Ratio | 2.02x |
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 2006
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36530, Elberta, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,581 (100%) |
| Owner Occupied HU | 2,894 (63.2%) |
| Renter Occupied HU | 835 (18.2%) |
| Vacant Housing Units | 852 (18.6%) |
| Median Home Value | $286,771 |
| Average Home Value | $387,855 |
Housing Distribution
Address Breakdown
Residential
4,202
Single Family
4,202
Multi-Family
0
Businesses
154
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 2006
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36530, Elberta, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,581 (100%) |
| Owner Occupied HU | 2,894 (63.2%) |
| Renter Occupied HU | 835 (18.2%) |
| Vacant Housing Units | 852 (18.6%) |
| Median Home Value | $286,771 |
| Average Home Value | $387,855 |
Housing Distribution
Address Breakdown
Residential
4,202
Single Family
4,202
Multi-Family
0
Businesses
154
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices