123 20th Ave ETuscaloosaAL35404
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow123 20th Ave E, Tuscaloosa, AL, 35404 in Tuscaloosa is a top-tier cash-flow asset. At $167,900 it produces $1,476/mo in rent and $528/mo in net monthly income, a 10.55% gross rental yield. The DSCR of 1.95 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $6,339. Five-year appreciation adds $46,388, driving a total cumulative return of $97,314.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 7.2% |
| Monthly Cash Flow | $528 | $1,250 |
City averages based on Tuscaloosa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,476 |
| Total Monthly Debt Service | $881 |
| DSCR Ratio | 1.68x |
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 1968
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35404, Tuscaloosa, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,640 (100%) |
| Owner Occupied HU | 4,110 (35.3%) |
| Renter Occupied HU | 5,798 (49.8%) |
| Vacant Housing Units | 1,732 (14.9%) |
| Median Home Value | $225,462 |
| Average Home Value | $276,159 |
Housing Distribution
Address Breakdown
Residential
9,949
Single Family
9,345
Multi-Family
604
Businesses
634
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 1968
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35404, Tuscaloosa, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,640 (100%) |
| Owner Occupied HU | 4,110 (35.3%) |
| Renter Occupied HU | 5,798 (49.8%) |
| Vacant Housing Units | 1,732 (14.9%) |
| Median Home Value | $225,462 |
| Average Home Value | $276,159 |
Housing Distribution
Address Breakdown
Residential
9,949
Single Family
9,345
Multi-Family
604
Businesses
634
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tracey Boney • Keller Williams Tuscaloosa
Mls Name: WAMLS
Mls Provider:
Mls ID: #165499
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.