14315 State Highway 227GeraldineAL35974
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 14315 State Highway 227, Geraldine, AL, 35974 in Geraldine speaks for itself: 10.1% gross on a $239,900 price, generating $2,020/mo in rent and $665/mo in net income after the $1,079/mo debt service. DSCR 1.87, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,986 stacks alongside $66,280 in projected five-year appreciation and $2,210/yr in principal reduction. Projected total cumulative return: $133,293.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 8.0% |
| Monthly Cash Flow | $665 | $350 |
City averages based on Geraldine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,020 |
| Total Monthly Debt Service | $1,259 |
| DSCR Ratio | 1.60x |
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 1990
1.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35974, Geraldine, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 727 (100%) |
| Owner Occupied HU | 506 (69.6%) |
| Renter Occupied HU | 154 (21.2%) |
| Vacant Housing Units | 67 ( 9.2%) |
| Median Home Value | $210,938 |
| Average Home Value | $250,736 |
Housing Distribution
Address Breakdown
Residential
730
Single Family
730
Multi-Family
0
Businesses
87
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 1990
1.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35974, Geraldine, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 727 (100%) |
| Owner Occupied HU | 506 (69.6%) |
| Renter Occupied HU | 154 (21.2%) |
| Vacant Housing Units | 67 ( 9.2%) |
| Median Home Value | $210,938 |
| Average Home Value | $250,736 |
Housing Distribution
Address Breakdown
Residential
730
Single Family
730
Multi-Family
0
Businesses
87
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jerome Bryant • The Real Estate Group
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21862361
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