20480 County Road 59NewellAL36280
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 20480 County Road 59, Newell, AL, 36280 in Newell. Rental yield 4.7%. At $325,000 with 4.7% gross yield, current distributions are modest, but the 5% appreciation rate projects $89,792 in new equity by year five, complemented by $2,993/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.87) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $86,406.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.2% |
| Monthly Cash Flow | $(561) | $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 | $1,273 |
| Total Monthly Debt Service | $1,705 |
| DSCR Ratio | 0.75x |
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 1998
1.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36280, Woodland, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,108 (100%) |
| Owner Occupied HU | 1,450 (68.8%) |
| Renter Occupied HU | 305 (14.5%) |
| Vacant Housing Units | 353 (16.7%) |
| Median Home Value | $235,714 |
| Average Home Value | $300,952 |
Housing Distribution
Address Breakdown
Residential
1,972
Single Family
1,972
Multi-Family
0
Businesses
87
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 1998
1.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36280, Woodland, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,108 (100%) |
| Owner Occupied HU | 1,450 (68.8%) |
| Renter Occupied HU | 305 (14.5%) |
| Vacant Housing Units | 353 (16.7%) |
| Median Home Value | $235,714 |
| Average Home Value | $300,952 |
Housing Distribution
Address Breakdown
Residential
1,972
Single Family
1,972
Multi-Family
0
Businesses
87
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices