Sandy Bottoms Lots 99 100 And #101GainestownAL36540
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at Sandy Bottoms Lots 99 100 And #101, Gainestown, AL, 36540 in Gainestown the bet is firmly on appreciation. Rental yield 0%. The 0% gross yield on a $160,000 price is below income-first thresholds, but 5%/yr value growth projects $44,205 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (1.84) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $86,740.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0% | 8.0% |
| Monthly Cash Flow | $0 | $200 |
City averages based on Gainestown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,326 |
| Total Monthly Debt Service | $852 |
| DSCR Ratio | 1.56x |
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 N/A
1.50 Acres lot
$N/A/sqft
$13 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36540, Gainestown, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 437 (100%) |
| Owner Occupied HU | 342 (78.3%) |
| Renter Occupied HU | 42 ( 9.6%) |
| Vacant Housing Units | 53 (12.1%) |
| Median Home Value | $115,909 |
| Average Home Value | $191,937 |
Housing Distribution
Address Breakdown
Residential
407
Single Family
407
Multi-Family
0
Businesses
8
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 N/A
1.50 Acres lot
$N/A/sqft
$13 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36540, Gainestown, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 437 (100%) |
| Owner Occupied HU | 342 (78.3%) |
| Renter Occupied HU | 42 ( 9.6%) |
| Vacant Housing Units | 53 (12.1%) |
| Median Home Value | $115,909 |
| Average Home Value | $191,937 |
Housing Distribution
Address Breakdown
Residential
407
Single Family
407
Multi-Family
0
Businesses
8
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Robin Roney • Village Properties
Mls Name: NY State MLS
Mls ID: #11353887