1889 Dyras RdCottonwoodAL36320
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1889 Dyras Rd, Cottonwood, AL, 36320 in Cottonwood at $199,900 earns $1,228/mo in rent and nets $99/mo after the $899/mo payment, a 7.37% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $55,229 over five years. Ziffy Mortgage underwrites this on a 1.37 DSCR without U.S. credit history. With $1,841/yr in principal paydown, total projected return reaches $81,782.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.0% |
| Monthly Cash Flow | $99 | $200 |
City averages based on Cottonwood market data in our database. Property projections are estimates.
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 | $1,228 |
| Total Monthly Debt Service | $1,049 |
| DSCR Ratio | 1.17x |
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 1993
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36320, Cottonwood, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,867 (100%) |
| Owner Occupied HU | 1,302 (69.7%) |
| Renter Occupied HU | 367 (19.7%) |
| Vacant Housing Units | 198 (10.6%) |
| Median Home Value | $180,488 |
| Average Home Value | $213,005 |
Housing Distribution
Address Breakdown
Residential
1,495
Single Family
1,495
Multi-Family
0
Businesses
66
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 1993
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36320, Cottonwood, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,867 (100%) |
| Owner Occupied HU | 1,302 (69.7%) |
| Renter Occupied HU | 367 (19.7%) |
| Vacant Housing Units | 198 (10.6%) |
| Median Home Value | $180,488 |
| Average Home Value | $213,005 |
Housing Distribution
Address Breakdown
Residential
1,495
Single Family
1,495
Multi-Family
0
Businesses
66
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SAMLS
Mls ID: #213745