109 Clairmont DrTalladegaAL35160
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 109 Clairmont Dr, Talladega, AL, 35160 in Talladega: $1,110/mo in rent, $411/mo in net income, 10.75% gross yield, 1.99 DSCR, all at $123,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $34,231 in appreciation and $1,141/yr in principal paydown projects total cumulative return of $73,182.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 8.0% |
| Monthly Cash Flow | $411 | $1,200 |
City averages based on Talladega market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,110 |
| Total Monthly Debt Service | $650 |
| DSCR Ratio | 1.71x |
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 1965
1.06 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 1965
1.06 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