684 County Road 11HeflinAL36264
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 684 County Road 11, Heflin, AL, 36264 in Heflin earns a 9.29% gross yield at $145,000. Rent of $1,123/mo nets $305/mo after the $652/mo mortgage. The 1.72 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $40,061 and $1,335/yr in equity accumulation project a total cumulative return of $74,278.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 7.5% |
| Monthly Cash Flow | $305 | $800 |
City averages based on Heflin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,123 |
| Total Monthly Debt Service | $761 |
| DSCR Ratio | 1.48x |
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 1923
2.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36264, Heflin, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,092 (100%) |
| Owner Occupied HU | 2,670 (65.2%) |
| Renter Occupied HU | 923 (22.6%) |
| Vacant Housing Units | 499 (12.2%) |
| Median Home Value | $190,355 |
| Average Home Value | $212,994 |
Housing Distribution
Address Breakdown
Residential
3,845
Single Family
3,845
Multi-Family
0
Businesses
325
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 1923
2.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36264, Heflin, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,092 (100%) |
| Owner Occupied HU | 2,670 (65.2%) |
| Renter Occupied HU | 923 (22.6%) |
| Vacant Housing Units | 499 (12.2%) |
| Median Home Value | $190,355 |
| Average Home Value | $212,994 |
Housing Distribution
Address Breakdown
Residential
3,845
Single Family
3,845
Multi-Family
0
Businesses
325
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Justin Williams • SmallTown Real Estate, LLC
Mls Name: GALMLS
Mls Provider:
Mls ID: #21414266
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.