185 County Road 962GaylesvilleAL35973
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 185 County Road 962, Gaylesville, AL, 35973 in Gaylesville. Priced at $201,500, it generates $1,745/mo in gross rent and $607/mo in net monthly cash flow, a 10.39% yield that comfortably supports the 1.93 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,289. Five-year appreciation: $55,671. Equity from principal paydown: $1,856/yr. Total projected cumulative return: $115,031.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.0% |
| Monthly Cash Flow | $607 | $300 |
City averages based on Gaylesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,745 |
| Total Monthly Debt Service | $1,057 |
| DSCR Ratio | 1.65x |
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.
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35973, Gaylesville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,526 (100%) |
| Owner Occupied HU | 1,028 (67.4%) |
| Renter Occupied HU | 188 (12.3%) |
| Vacant Housing Units | 310 (20.3%) |
| Median Home Value | $166,033 |
| Average Home Value | $210,226 |
Housing Distribution
Address Breakdown
Residential
1,284
Single Family
1,284
Multi-Family
0
Businesses
26
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
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35973, Gaylesville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,526 (100%) |
| Owner Occupied HU | 1,028 (67.4%) |
| Renter Occupied HU | 188 (12.3%) |
| Vacant Housing Units | 310 (20.3%) |
| Median Home Value | $166,033 |
| Average Home Value | $210,226 |
Housing Distribution
Address Breakdown
Residential
1,284
Single Family
1,284
Multi-Family
0
Businesses
26
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A