538 County Road 363Crane HillAL35053
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 538 County Road 363, Crane Hill, AL, 35053 in Crane Hill fits: $727,000, 3.8% gross yield, and a projected 5% annual appreciation rate adding $200,857 in value within five years. Rental yield 3.8%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.70) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $6,696/yr in principal paydown and $200,857 in appreciation project a total return of $158,028.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.0% |
| Monthly Cash Flow | $(1,802) | $300 |
City averages based on Crane Hill market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,302 |
| Total Monthly Debt Service | $3,814 |
| DSCR Ratio | 0.60x |
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.
Manufactured
Built in 2022
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35053, Crane Hill, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,576 (100%) |
| Owner Occupied HU | 1,246 (48.4%) |
| Renter Occupied HU | 155 ( 6.0%) |
| Vacant Housing Units | 1,175 (45.6%) |
| Median Home Value | $293,506 |
| Average Home Value | $397,325 |
Housing Distribution
Address Breakdown
Residential
2,140
Single Family
2,130
Multi-Family
10
Businesses
34
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
Manufactured
Built in 2022
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35053, Crane Hill, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,576 (100%) |
| Owner Occupied HU | 1,246 (48.4%) |
| Renter Occupied HU | 155 ( 6.0%) |
| Vacant Housing Units | 1,175 (45.6%) |
| Median Home Value | $293,506 |
| Average Home Value | $397,325 |
Housing Distribution
Address Breakdown
Residential
2,140
Single Family
2,130
Multi-Family
10
Businesses
34
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mason Jones • Joseph Carter Realty-Cullman
Mls Name: Strategic MLS Alliance
Mls ID: #516869
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.