65 County Road 340GeraldineAL35974
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSolid fundamentals define the investment case at 65 County Road 340, Geraldine, AL, 35974 in Geraldine: $2,714/mo in rent, $406/mo in net income, 7.96% gross yield, 1.48 DSCR, all at $409,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $112,999 in appreciation and $3,767/yr in principal paydown projects total cumulative return of $180,241.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 8.0% |
| Monthly Cash Flow | $406 | $350 |
City averages based on Geraldine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,714 |
| Total Monthly Debt Service | $2,146 |
| DSCR Ratio | 1.26x |
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 2019
3.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35974, Geraldine, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 727 (100%) |
| Owner Occupied HU | 506 (69.6%) |
| Renter Occupied HU | 154 (21.2%) |
| Vacant Housing Units | 67 ( 9.2%) |
| Median Home Value | $210,938 |
| Average Home Value | $250,736 |
Housing Distribution
Address Breakdown
Residential
730
Single Family
730
Multi-Family
0
Businesses
87
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 2019
3.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35974, Geraldine, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 727 (100%) |
| Owner Occupied HU | 506 (69.6%) |
| Renter Occupied HU | 154 (21.2%) |
| Vacant Housing Units | 67 ( 9.2%) |
| Median Home Value | $210,938 |
| Average Home Value | $250,736 |
Housing Distribution
Address Breakdown
Residential
730
Single Family
730
Multi-Family
0
Businesses
87
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices