155 Hillsdale DrGurleyAL35748
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder155 Hillsdale Dr, Gurley, AL, 35748 in Gurley earns a respectable 7% gross yield at $685,000, but after the $3,080/mo mortgage the net cash flow is $131/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.30) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $189,253 over five years, making equity the dominant return driver. Total projected return: $266,576.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 8.0% |
| Monthly Cash Flow | $131 | $250 |
City averages based on Gurley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,997 |
| Total Monthly Debt Service | $3,594 |
| DSCR Ratio | 1.11x |
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 1998
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35748, Gurley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,025 (100%) |
| Owner Occupied HU | 2,401 (79.4%) |
| Renter Occupied HU | 401 (13.3%) |
| Vacant Housing Units | 223 ( 7.4%) |
| Median Home Value | $349,460 |
| Average Home Value | $368,948 |
Housing Distribution
Address Breakdown
Residential
3,466
Single Family
3,466
Multi-Family
0
Businesses
123
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 1998
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35748, Gurley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,025 (100%) |
| Owner Occupied HU | 2,401 (79.4%) |
| Renter Occupied HU | 401 (13.3%) |
| Vacant Housing Units | 223 ( 7.4%) |
| Median Home Value | $349,460 |
| Average Home Value | $368,948 |
Housing Distribution
Address Breakdown
Residential
3,466
Single Family
3,466
Multi-Family
0
Businesses
123
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tracy Hood • Amerisell Realty
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21887852
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