7514 Highdown Ln SEGurleyAL35748
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 7514 Highdown Ln SE, Gurley, AL, 35748 in Gurley. Rental yield 5.44%. At $423,900 with 5.44% gross yield, current distributions are modest, but the 5% appreciation rate projects $117,116 in new equity by year five, complemented by $3,554/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.96) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $121,360.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 8.0% |
| Monthly Cash Flow | $(473) | $250 |
City averages based on Gurley 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 | $1,920 |
| Total Monthly Debt Service | $2,327 |
| DSCR Ratio | 0.82x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35748, Gurley, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,025 (100%) |
| Owner Occupied HU | 2,401 (79.4%) |
| Renter Occupied HU | 401 (13.3%) |
| Vacant Housing Units | 223 ( 7.4%) |
| Median Home Value | $349,460 |
| Average Home Value | $368,948 |
Housing Distribution
Address Breakdown
Residential
3,466
Single Family
3,466
Multi-Family
0
Businesses
123
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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
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