69 Cedar CirGuntersvilleAL35976
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 69 Cedar Cir, Guntersville, AL, 35976 in Guntersville worth modelling. At $265,000 with a 7.49% gross yield, the $1,654/mo rent leaves $125/mo after the $1,192/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.39 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $73,215 by year five; $2,441/yr in principal reduction adds further equity. Total projected return: $108,079.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 7.5% |
| Monthly Cash Flow | $125 | $800 |
City averages based on Guntersville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,654 |
| Total Monthly Debt Service | $1,423 |
| DSCR Ratio | 1.16x |
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 1971
0.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35976, Guntersville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,901 (100%) |
| Owner Occupied HU | 5,692 (63.9%) |
| Renter Occupied HU | 2,042 (22.9%) |
| Vacant Housing Units | 1,167 (13.1%) |
| Median Home Value | $309,624 |
| Average Home Value | $355,881 |
Housing Distribution
Address Breakdown
Residential
8,133
Single Family
7,824
Multi-Family
309
Businesses
939
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 1971
0.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35976, Guntersville, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,901 (100%) |
| Owner Occupied HU | 5,692 (63.9%) |
| Renter Occupied HU | 2,042 (22.9%) |
| Vacant Housing Units | 1,167 (13.1%) |
| Median Home Value | $309,624 |
| Average Home Value | $355,881 |
Housing Distribution
Address Breakdown
Residential
8,133
Single Family
7,824
Multi-Family
309
Businesses
939
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Donna Potts • Ainsworth Real Estate, LLC
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21860362
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