4708 County Highway 99Bear CreekAL35543
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Bear Creek rentals match the income profile of 4708 County Highway 99, Bear Creek, AL, 35543. Listed at $199,900, gross rent is $1,996/mo and net cash flow is $867/mo, a 11.98% yield well above national averages. DSCR 2.22 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $55,229 by year five with $1,841/yr in annual principal reduction, projecting $131,198 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 10.0% |
| Monthly Cash Flow | $867 | $2,500 |
City averages based on Bear Creek 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 | $1,996 |
| Total Monthly Debt Service | $1,049 |
| DSCR Ratio | 1.90x |
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 N/A
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35543, Bear Creek, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 521 (100%) |
| Owner Occupied HU | 362 (69.5%) |
| Renter Occupied HU | 89 (17.1%) |
| Vacant Housing Units | 70 (13.4%) |
| Median Home Value | $82,222 |
| Average Home Value | $125,656 |
Housing Distribution
Address Breakdown
Residential
436
Single Family
436
Multi-Family
0
Businesses
38
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 N/A
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35543, Bear Creek, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 521 (100%) |
| Owner Occupied HU | 362 (69.5%) |
| Renter Occupied HU | 89 (17.1%) |
| Vacant Housing Units | 70 (13.4%) |
| Median Home Value | $82,222 |
| Average Home Value | $125,656 |
Housing Distribution
Address Breakdown
Residential
436
Single Family
436
Multi-Family
0
Businesses
38
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Walker County Area MLS
Mls ID: #26-186