94 Gin RdCottonwoodAL36320
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 94 Gin Rd, Cottonwood, AL, 36320 in Cottonwood. At $235,000 it earns $1,542/mo in rent and distributes $216/mo to the owner after the $1,057/mo payment, a consistent 7.87% yield. DSCR 1.46 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $64,926 in value; $2,164/yr in principal paydown compounds ownership stake. Total projected return: $102,416.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.0% |
| Monthly Cash Flow | $216 | $200 |
City averages based on Cottonwood market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,542 |
| Total Monthly Debt Service | $1,233 |
| DSCR Ratio | 1.25x |
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 1988
0.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36320, Cottonwood, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,867 (100%) |
| Owner Occupied HU | 1,302 (69.7%) |
| Renter Occupied HU | 367 (19.7%) |
| Vacant Housing Units | 198 (10.6%) |
| Median Home Value | $180,488 |
| Average Home Value | $213,005 |
Housing Distribution
Address Breakdown
Residential
1,495
Single Family
1,495
Multi-Family
0
Businesses
66
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 1988
0.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36320, Cottonwood, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,867 (100%) |
| Owner Occupied HU | 1,302 (69.7%) |
| Renter Occupied HU | 367 (19.7%) |
| Vacant Housing Units | 198 (10.6%) |
| Median Home Value | $180,488 |
| Average Home Value | $213,005 |
Housing Distribution
Address Breakdown
Residential
1,495
Single Family
1,495
Multi-Family
0
Businesses
66
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Donny Gillilan • Gillilan Properties
Mls Name: SAMLS
Mls ID: #204503
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.