434 Coosa County Road 62KellytonAL35089
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 434 Coosa County Road 62, Kellyton, AL, 35089 in Kellyton is narrow, $189/mo net on $753/mo rent after the $450/mo debt service, but the property operates at break-even-plus, not a loss. At $100,000 with a 9.04% yield, the long-run equity case via 5% appreciation ($27,628 over five years) and $921/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.67 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $49,793.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.0% |
| Monthly Cash Flow | $189 | $300 |
City averages based on Kellyton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $753 |
| Total Monthly Debt Service | $525 |
| DSCR Ratio | 1.44x |
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.
Single Family
Built in 1970
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 1970
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