394 County Road 65WadleyAL36276
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 394 County Road 65, Wadley, AL, 36276 in Wadley: $2,459/mo in rent, $1,375/mo net, 15.37% gross yield, all on a $191,970 acquisition. The 2.85 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $53,038 in value, and $1,768/yr in principal paydown steadily builds equity. Projected total cumulative return: $160,910.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.4% | 7.5% |
| Monthly Cash Flow | $1,375 | $200 |
City averages based on Wadley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,459 |
| Total Monthly Debt Service | $1,007 |
| DSCR Ratio | 2.44x |
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.
Home Type Unknown
Built in N/A
79 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36276, Wadley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,214 (100%) |
| Owner Occupied HU | 732 (60.3%) |
| Renter Occupied HU | 202 (16.6%) |
| Vacant Housing Units | 280 (23.1%) |
| Median Home Value | $215,414 |
| Average Home Value | $229,556 |
Housing Distribution
Address Breakdown
Residential
979
Single Family
979
Multi-Family
0
Businesses
66
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
Home Type Unknown
Built in N/A
79 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36276, Wadley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,214 (100%) |
| Owner Occupied HU | 732 (60.3%) |
| Renter Occupied HU | 202 (16.6%) |
| Vacant Housing Units | 280 (23.1%) |
| Median Home Value | $215,414 |
| Average Home Value | $229,556 |
Housing Distribution
Address Breakdown
Residential
979
Single Family
979
Multi-Family
0
Businesses
66
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices