10754 Tiara DrCottondaleAL35453
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 10754 Tiara Dr, Cottondale, AL, 35453 in Cottondale deserves attention. This $175,485 property earns $1,633/mo in rent, a 11.17% gross yield, and nets $643/mo after the $789/mo payment. DSCR 2.07 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $48,483 compounds alongside $1,616/yr in yearly equity build, for a total cumulative return of $107,509.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 6.0% |
| Monthly Cash Flow | $643 | $300 |
City averages based on Cottondale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,633 |
| Total Monthly Debt Service | $921 |
| DSCR Ratio | 1.77x |
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 1980
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35453, Cottondale, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,835 (100%) |
| Owner Occupied HU | 4,067 (69.7%) |
| Renter Occupied HU | 1,191 (20.4%) |
| Vacant Housing Units | 577 ( 9.9%) |
| Median Home Value | $255,621 |
| Average Home Value | $264,736 |
Housing Distribution
Address Breakdown
Residential
5,080
Single Family
5,070
Multi-Family
10
Businesses
266
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 1980
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35453, Cottondale, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,835 (100%) |
| Owner Occupied HU | 4,067 (69.7%) |
| Renter Occupied HU | 1,191 (20.4%) |
| Vacant Housing Units | 577 ( 9.9%) |
| Median Home Value | $255,621 |
| Average Home Value | $264,736 |
Housing Distribution
Address Breakdown
Residential
5,080
Single Family
5,070
Multi-Family
10
Businesses
266
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Morgan Smyth • Keller Williams Tuscaloosa
Mls Name: WAMLS
Mls Provider:
Mls ID: #169706
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.