LOT 87 Val Monte DrGuntersvilleAL35976
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. Rental yield 3.79%. LOT 87 Val Monte Dr, Guntersville, AL, 35976 in Guntersville fits: $684,000, 3.79% gross yield, and a projected 5% annual appreciation rate adding $188,977 in value within five years. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.70) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $6,300/yr in principal paydown and $188,977 in appreciation project a total return of $148,276.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 7.5% |
| Monthly Cash Flow | $(1,701) | $800 |
City averages based on Guntersville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,160 |
| Total Monthly Debt Service | $3,589 |
| DSCR Ratio | 0.60x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in N/A
N/A 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
Townhouse
Built in N/A
N/A 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: Chris Bain • Ainsworth Real Estate, LLC
Mls Name: ValleyMLS
Mls ID: #21904371