2144 County Road 95HigdonAL35979
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 2144 County Road 95, Higdon, AL, 35979 in Higdon, $210,000, 7.85% gross yield, $189/mo net income. Consider it a market-entry position, the $1,374/mo rent covers the $944/mo payment with a margin, and 5%/yr appreciation is projected to add $58,019 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.46) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $91,315.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 8.0% |
| Monthly Cash Flow | $189 | $1,200 |
City averages based on Higdon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,374 |
| Total Monthly Debt Service | $1,102 |
| DSCR Ratio | 1.25x |
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.
Manufactured
Built in 1991
2.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35979, Higdon, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 590 (100%) |
| Owner Occupied HU | 420 (71.2%) |
| Renter Occupied HU | 100 (16.9%) |
| Vacant Housing Units | 70 (11.9%) |
| Median Home Value | $164,205 |
| Average Home Value | $210,714 |
Housing Distribution
Address Breakdown
Residential
480
Single Family
480
Multi-Family
0
Businesses
49
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 1991
2.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35979, Higdon, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 590 (100%) |
| Owner Occupied HU | 420 (71.2%) |
| Renter Occupied HU | 100 (16.9%) |
| Vacant Housing Units | 70 (11.9%) |
| Median Home Value | $164,205 |
| Average Home Value | $210,714 |
Housing Distribution
Address Breakdown
Residential
480
Single Family
480
Multi-Family
0
Businesses
49
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices