129 22nd St NTuscaloosaAL35406
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 129 22nd St N, Tuscaloosa, AL, 35406 in Tuscaloosa. Priced at $249,900, it generates $2,375/mo in gross rent and $809/mo in net monthly cash flow, a 11.4% yield that comfortably supports the 2.00 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,711. Five-year appreciation: $69,043. Equity from principal paydown: $2,095/yr. Total projected cumulative return: $151,517.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 7.2% |
| Monthly Cash Flow | $809 | $1,250 |
City averages based on Tuscaloosa market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,375 |
| Total Monthly Debt Service | $1,372 |
| DSCR Ratio | 1.73x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 1974
N/A 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
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: WAMLS
Mls Provider:
Mls ID: #177726
