2137 County Lake RdGurleyAL35748
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 2137 County Lake Rd, Gurley, AL, 35748 in Gurley. At $234,900 it earns $1,760/mo in rent and distributes $435/mo to the owner after the $1,056/mo payment, a consistent 8.99% yield. DSCR 1.67 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $64,899 in value; $2,163/yr in principal paydown compounds ownership stake. Total projected return: $116,471.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 8.0% |
| Monthly Cash Flow | $435 | $250 |
City averages based on Gurley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,760 |
| Total Monthly Debt Service | $1,232 |
| DSCR Ratio | 1.43x |
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 1984
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35748, Gurley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,025 (100%) |
| Owner Occupied HU | 2,401 (79.4%) |
| Renter Occupied HU | 401 (13.3%) |
| Vacant Housing Units | 223 ( 7.4%) |
| Median Home Value | $349,460 |
| Average Home Value | $368,948 |
Housing Distribution
Address Breakdown
Residential
3,466
Single Family
3,466
Multi-Family
0
Businesses
123
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 1984
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35748, Gurley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,025 (100%) |
| Owner Occupied HU | 2,401 (79.4%) |
| Renter Occupied HU | 401 (13.3%) |
| Vacant Housing Units | 223 ( 7.4%) |
| Median Home Value | $349,460 |
| Average Home Value | $368,948 |
Housing Distribution
Address Breakdown
Residential
3,466
Single Family
3,466
Multi-Family
0
Businesses
123
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices