343 Highway 301CaleraAL35040
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 343 Highway 301, Calera, AL, 35040 in Calera at $1,125,200, 2.02% gross yield, is a market-growth asset. Rental yield 2.02%. The $1,890/mo rent partially funds the $5,060/mo debt service; the core return is the 5%/yr price growth projected to add $310,872 over five years. Ziffy Mortgage's DSCR mortgage (0.37) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $136,926.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2% | 8.0% |
| Monthly Cash Flow | $(4,461) | $300 |
City averages based on Calera market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,890 |
| Total Monthly Debt Service | $5,904 |
| DSCR Ratio | 0.32x |
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 N/A
71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35040, Calera, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,401 (100%) |
| Owner Occupied HU | 6,245 (74.3%) |
| Renter Occupied HU | 1,775 (21.1%) |
| Vacant Housing Units | 381 ( 4.5%) |
| Median Home Value | $231,971 |
| Average Home Value | $254,467 |
Housing Distribution
Address Breakdown
Residential
8,121
Single Family
7,836
Multi-Family
285
Businesses
442
Nearby investment properties with comparable rents
- 2 Bed
- 2 Bath
- 1224 sft
- 2 Bed
- 2 Bath
- 1224 sft
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
71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35040, Calera, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,401 (100%) |
| Owner Occupied HU | 6,245 (74.3%) |
| Renter Occupied HU | 1,775 (21.1%) |
| Vacant Housing Units | 381 ( 4.5%) |
| Median Home Value | $231,971 |
| Average Home Value | $254,467 |
Housing Distribution
Address Breakdown
Residential
8,121
Single Family
7,836
Multi-Family
285
Businesses
442
Nearby investment properties with comparable rents
- 2 Bed
- 2 Bath
- 1224 sft
- 2 Bed
- 2 Bath
- 1224 sft
Nearby investment properties with comparable prices