12184 Barger RdTuscaloosaAL35406
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 12184 Barger Rd, Tuscaloosa, AL, 35406 in Tuscaloosa: $1,919/mo in rent, $486/mo in net income, 9.07% gross yield, 1.68 DSCR, all at $253,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $70,148 in appreciation and $2,338/yr in principal paydown projects total cumulative return of $126,946.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 7.2% |
| Monthly Cash Flow | $486 | $1,250 |
City averages based on Tuscaloosa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,919 |
| Total Monthly Debt Service | $1,332 |
| DSCR Ratio | 1.44x |
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.
Manufactured
Built in 2006
2.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35406, Tuscaloosa, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,576 (100%) |
| Owner Occupied HU | 5,340 (70.5%) |
| Renter Occupied HU | 1,697 (22.4%) |
| Vacant Housing Units | 539 ( 7.1%) |
| Median Home Value | $452,157 |
| Average Home Value | $502,826 |
Housing Distribution
Address Breakdown
Residential
7,673
Single Family
6,501
Multi-Family
1,172
Businesses
439
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
Manufactured
Built in 2006
2.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35406, Tuscaloosa, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,576 (100%) |
| Owner Occupied HU | 5,340 (70.5%) |
| Renter Occupied HU | 1,697 (22.4%) |
| Vacant Housing Units | 539 ( 7.1%) |
| Median Home Value | $452,157 |
| Average Home Value | $502,826 |
Housing Distribution
Address Breakdown
Residential
7,673
Single Family
6,501
Multi-Family
1,172
Businesses
439
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Felisa Hicks • Southern Homes of Tuscaloosa, Inc
Mls Name: WAMLS
Mls ID: #170338