240 Shellcracker LnGuntersvilleAL35976
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 240 Shellcracker Ln, Guntersville, AL, 35976 in Guntersville earns a 9.67% gross yield at $282,900. Rent of $2,280/mo nets $650/mo after the $1,272/mo mortgage. The 1.79 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $78,160 and $2,606/yr in equity accumulation project a total cumulative return of $150,569.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 7.5% |
| Monthly Cash Flow | $650 | $800 |
City averages based on Guntersville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,280 |
| Total Monthly Debt Service | $1,484 |
| DSCR Ratio | 1.54x |
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 N/A
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35976, Guntersville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,901 (100%) |
| Owner Occupied HU | 5,692 (63.9%) |
| Renter Occupied HU | 2,042 (22.9%) |
| Vacant Housing Units | 1,167 (13.1%) |
| Median Home Value | $309,624 |
| Average Home Value | $355,881 |
Housing Distribution
Address Breakdown
Residential
8,133
Single Family
7,824
Multi-Family
309
Businesses
939
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 N/A
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35976, Guntersville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,901 (100%) |
| Owner Occupied HU | 5,692 (63.9%) |
| Renter Occupied HU | 2,042 (22.9%) |
| Vacant Housing Units | 1,167 (13.1%) |
| Median Home Value | $309,624 |
| Average Home Value | $355,881 |
Housing Distribution
Address Breakdown
Residential
8,133
Single Family
7,824
Multi-Family
309
Businesses
939
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Abel Genao • DHI Realty
Mls Name: ValleyMLS
Mls ID: #21908510