1560 County Road 1ChatomAL36518
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 1560 County Road 1, Chatom, AL, 36518 in Chatom is capital appreciation. Rental yield 2.88%. The 2.88% gross yield at $625,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $172,676 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.53) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $104,950.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 6.2% |
| Monthly Cash Flow | $(2,030) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,498 |
| Total Monthly Debt Service | $3,279 |
| DSCR Ratio | 0.46x |
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 2022
100 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36518, Chatom, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,089 (100%) |
| Owner Occupied HU | 728 (66.9%) |
| Renter Occupied HU | 215 (19.7%) |
| Vacant Housing Units | 146 (13.4%) |
| Median Home Value | $183,772 |
| Average Home Value | $211,803 |
Housing Distribution
Address Breakdown
Residential
680
Single Family
680
Multi-Family
0
Businesses
140
Nearby investment properties with comparable rents
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 2022
100 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36518, Chatom, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,089 (100%) |
| Owner Occupied HU | 728 (66.9%) |
| Renter Occupied HU | 215 (19.7%) |
| Vacant Housing Units | 146 (13.4%) |
| Median Home Value | $183,772 |
| Average Home Value | $211,803 |
Housing Distribution
Address Breakdown
Residential
680
Single Family
680
Multi-Family
0
Businesses
140
Nearby investment properties with comparable rents
Listed by: Destiny Seay • Ideal Real Estate Company
Mls Name: GCMLS
Mls Provider:
Mls ID: #7327709
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.