76 Wilson RdCaleraAL35040
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 76 Wilson Rd, Calera, AL, 35040 in Calera. At $849,600 it earns $5,358/mo in rent and distributes $456/mo to the owner after the $3,820/mo payment, a consistent 7.57% yield. DSCR 1.40 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $234,729 in value; $7,825/yr in principal paydown compounds ownership stake. Total projected return: $349,942.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 8.0% |
| Monthly Cash Flow | $456 | $300 |
City averages based on Calera market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,358 |
| Total Monthly Debt Service | $4,564 |
| DSCR Ratio | 1.17x |
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 2000
4.78 Acres lot
$N/A/sqft
$29 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35040, Calera, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,401 (100%) |
| Owner Occupied HU | 6,245 (74.3%) |
| Renter Occupied HU | 1,775 (21.1%) |
| Vacant Housing Units | 381 ( 4.5%) |
| Median Home Value | $231,971 |
| Average Home Value | $254,467 |
Housing Distribution
Address Breakdown
Residential
8,121
Single Family
7,836
Multi-Family
285
Businesses
442
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 2000
4.78 Acres lot
$N/A/sqft
$29 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35040, Calera, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,401 (100%) |
| Owner Occupied HU | 6,245 (74.3%) |
| Renter Occupied HU | 1,775 (21.1%) |
| Vacant Housing Units | 381 ( 4.5%) |
| Median Home Value | $231,971 |
| Average Home Value | $254,467 |
Housing Distribution
Address Breakdown
Residential
8,121
Single Family
7,836
Multi-Family
285
Businesses
442
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices