8253 County Highway 89FloralaAL36442
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 8253 County Highway 89, Florala, AL, 36442 in Florala is narrow, $95/mo net on $1,043/mo rent after the $755/mo debt service, but the property operates at break-even-plus, not a loss. At $167,900 with a 7.45% yield, the long-run equity case via 5% appreciation ($46,388 over five years) and $1,546/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.38 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $69,450.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 8.0% |
| Monthly Cash Flow | $95 | $300 |
City averages based on Florala market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,043 |
| Total Monthly Debt Service | $881 |
| DSCR Ratio | 1.18x |
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.
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36442, Florala, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,827 (100%) |
| Owner Occupied HU | 999 (54.7%) |
| Renter Occupied HU | 435 (23.8%) |
| Vacant Housing Units | 393 (21.5%) |
| Median Home Value | $162,284 |
| Average Home Value | $178,839 |
Housing Distribution
Address Breakdown
Residential
1,637
Single Family
1,561
Multi-Family
76
Businesses
150
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
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36442, Florala, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,827 (100%) |
| Owner Occupied HU | 999 (54.7%) |
| Renter Occupied HU | 435 (23.8%) |
| Vacant Housing Units | 393 (21.5%) |
| Median Home Value | $162,284 |
| Average Home Value | $178,839 |
Housing Distribution
Address Breakdown
Residential
1,637
Single Family
1,561
Multi-Family
76
Businesses
150
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices