6053 County Road 85Fort PayneAL35968
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Fort Payne rentals match the income profile of 6053 County Road 85, Fort Payne, AL, 35968. Listed at $222,900, gross rent is $2,065/mo and net cash flow is $807/mo, a 11.12% yield well above national averages. DSCR 1.95 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $61,583 by year five with $1,869/yr in annual principal reduction, projecting $131,712 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 8.0% |
| Monthly Cash Flow | $807 | $300 |
City averages based on Fort Payne 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 | $2,065 |
| Total Monthly Debt Service | $1,224 |
| DSCR Ratio | 1.69x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2025
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35968, Fort Payne, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,096 (100%) |
| Owner Occupied HU | 1,411 (67.3%) |
| Renter Occupied HU | 471 (22.5%) |
| Vacant Housing Units | 214 (10.2%) |
| Median Home Value | $183,413 |
| Average Home Value | $253,816 |
Housing Distribution
Address Breakdown
Residential
2,154
Single Family
2,122
Multi-Family
32
Businesses
420
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21925167
