1996 County Highway 366Bear creekAL35543
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.81% gross rental yield, 1996 County Highway 366, Bear creek, AL, 35543 in Bear creek is priced for capital growth, not immediate cash flow. The $298,500 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $82,470 by year five, with $2,749/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.89) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $81,076.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 10.0% |
| Monthly Cash Flow | $(488) | $2,500 |
City averages based on Bear creek market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,196 |
| Total Monthly Debt Service | $1,566 |
| DSCR Ratio | 0.76x |
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.
Manufactured
Built in 2018
63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35543, Bear Creek, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 521 (100%) |
| Owner Occupied HU | 362 (69.5%) |
| Renter Occupied HU | 89 (17.1%) |
| Vacant Housing Units | 70 (13.4%) |
| Median Home Value | $82,222 |
| Average Home Value | $125,656 |
Housing Distribution
Address Breakdown
Residential
436
Single Family
436
Multi-Family
0
Businesses
38
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
Manufactured
Built in 2018
63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35543, Bear Creek, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 521 (100%) |
| Owner Occupied HU | 362 (69.5%) |
| Renter Occupied HU | 89 (17.1%) |
| Vacant Housing Units | 70 (13.4%) |
| Median Home Value | $82,222 |
| Average Home Value | $125,656 |
Housing Distribution
Address Breakdown
Residential
436
Single Family
436
Multi-Family
0
Businesses
38
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joshua Milton • Southeastern Land Group
Mls Name: Strategic MLS Alliance
Mls ID: #524923