2921 Coosa County Road 93KellytonAL35089
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 2921 Coosa County Road 93, Kellyton, AL, 35089 in Kellyton is listed at $110,000 and delivers $867/mo in rent and $246/mo in net monthly cash flow. The 9.46% yield and 1.75 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $30,391 over five years, and $1,013/yr in principal reduction supplements cash return. Total projected cumulative return: $57,289.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.0% |
| Monthly Cash Flow | $246 | $300 |
City averages based on Kellyton market data in our database. Property projections are estimates.
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 | $867 |
| Total Monthly Debt Service | $577 |
| DSCR Ratio | 1.50x |
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 1997
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35089, Kellyton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 936 (100%) |
| Owner Occupied HU | 560 (59.8%) |
| Renter Occupied HU | 211 (22.5%) |
| Vacant Housing Units | 165 (17.6%) |
| Median Home Value | $111,076 |
| Average Home Value | $159,192 |
Housing Distribution
Address Breakdown
Residential
786
Single Family
786
Multi-Family
0
Businesses
41
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 1997
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35089, Kellyton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 936 (100%) |
| Owner Occupied HU | 560 (59.8%) |
| Renter Occupied HU | 211 (22.5%) |
| Vacant Housing Units | 165 (17.6%) |
| Median Home Value | $111,076 |
| Average Home Value | $159,192 |
Housing Distribution
Address Breakdown
Residential
786
Single Family
786
Multi-Family
0
Businesses
41
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices