44 Railroad StBerryAL35546
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 44 Railroad St, Berry, AL, 35546 in Berry offers a clean, manageable entry. Rental yield 6.16%. DSCR 1.14 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $107,750 in additional property value over five years, with $3,592/yr in principal equity building ownership stake. Total projected cumulative return: $134,198.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 8.0% |
| Monthly Cash Flow | $(199) | $1,500 |
City averages based on Berry market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,003 |
| Total Monthly Debt Service | $2,046 |
| DSCR Ratio | 0.98x |
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 1938
2.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35546, Berry, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,918 (100%) |
| Owner Occupied HU | 1,334 (69.6%) |
| Renter Occupied HU | 364 (19.0%) |
| Vacant Housing Units | 220 (11.5%) |
| Median Home Value | $208,278 |
| Average Home Value | $297,918 |
Housing Distribution
Address Breakdown
Residential
1,882
Single Family
1,882
Multi-Family
0
Businesses
64
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 1938
2.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35546, Berry, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,918 (100%) |
| Owner Occupied HU | 1,334 (69.6%) |
| Renter Occupied HU | 364 (19.0%) |
| Vacant Housing Units | 220 (11.5%) |
| Median Home Value | $208,278 |
| Average Home Value | $297,918 |
Housing Distribution
Address Breakdown
Residential
1,882
Single Family
1,882
Multi-Family
0
Businesses
64
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices