100 Shields DrTalladegaAL35160
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 100 Shields Dr, Talladega, AL, 35160 in Talladega at $149,000 earns $960/mo in rent and nets $119/mo after the $670/mo payment, a 7.73% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $41,166 over five years. Ziffy Mortgage underwrites this on a 1.43 DSCR without U.S. credit history. With $1,372/yr in principal paydown, total projected return reaches $63,844.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 8.0% |
| Monthly Cash Flow | $119 | $1,200 |
City averages based on Talladega market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $960 |
| Total Monthly Debt Service | $782 |
| DSCR Ratio | 1.23x |
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 1970
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35160, Talladega, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,627 (100%) |
| Owner Occupied HU | 7,296 (57.8%) |
| Renter Occupied HU | 3,436 (27.2%) |
| Vacant Housing Units | 1,895 (15.0%) |
| Median Home Value | $160,200 |
| Average Home Value | $225,173 |
Housing Distribution
Address Breakdown
Residential
11,112
Single Family
10,753
Multi-Family
359
Businesses
621
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 1970
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35160, Talladega, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,627 (100%) |
| Owner Occupied HU | 7,296 (57.8%) |
| Renter Occupied HU | 3,436 (27.2%) |
| Vacant Housing Units | 1,895 (15.0%) |
| Median Home Value | $160,200 |
| Average Home Value | $225,173 |
Housing Distribution
Address Breakdown
Residential
11,112
Single Family
10,753
Multi-Family
359
Businesses
621
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices