18921 Meriwether TrlRamerAL36069
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 18921 Meriwether Trl, Ramer, AL, 36069 in Ramer offers a clean, manageable entry. At $323,500, the 6.81% yield from $1,837/mo in rent nets $11/mo monthly. DSCR 1.26 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $89,377 in additional property value over five years, with $2,979/yr in principal equity building ownership stake. Total projected cumulative return: $122,621.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 6.2% |
| Monthly Cash Flow | $11 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,837 |
| Total Monthly Debt Service | $1,697 |
| DSCR Ratio | 1.08x |
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 1986
2.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36069, Ramer, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 875 (100%) |
| Owner Occupied HU | 575 (65.7%) |
| Renter Occupied HU | 132 (15.1%) |
| Vacant Housing Units | 168 (19.2%) |
| Median Home Value | $219,097 |
| Average Home Value | $239,939 |
Housing Distribution
Address Breakdown
Residential
963
Single Family
963
Multi-Family
0
Businesses
67
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 1986
2.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36069, Ramer, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 875 (100%) |
| Owner Occupied HU | 575 (65.7%) |
| Renter Occupied HU | 132 (15.1%) |
| Vacant Housing Units | 168 (19.2%) |
| Median Home Value | $219,097 |
| Average Home Value | $239,939 |
Housing Distribution
Address Breakdown
Residential
963
Single Family
963
Multi-Family
0
Businesses
67
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices