1442 Bluff Valley RdCragfordAL36255
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 1442 Bluff Valley Rd, Cragford, AL, 36255 in Cragford offers a clean, manageable entry. Rental yield 6.67%. DSCR 1.24 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $136,069 in additional property value over five years, with $4,536/yr in principal equity building ownership stake. Total projected cumulative return: $182,748.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 7.0% |
| Monthly Cash Flow | $(44) | $300 |
City averages based on Cragford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,736 |
| Total Monthly Debt Service | $2,584 |
| DSCR Ratio | 1.06x |
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 1999
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36255, Cragford, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 472 (100%) |
| Owner Occupied HU | 320 (67.8%) |
| Renter Occupied HU | 53 (11.2%) |
| Vacant Housing Units | 99 (21.0%) |
| Median Home Value | $225,862 |
| Average Home Value | $269,516 |
Housing Distribution
Address Breakdown
Residential
421
Single Family
421
Multi-Family
0
Businesses
10
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 1999
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36255, Cragford, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 472 (100%) |
| Owner Occupied HU | 320 (67.8%) |
| Renter Occupied HU | 53 (11.2%) |
| Vacant Housing Units | 99 (21.0%) |
| Median Home Value | $225,862 |
| Average Home Value | $269,516 |
Housing Distribution
Address Breakdown
Residential
421
Single Family
421
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices