139 Winston DrTalladegaAL35160
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 139 Winston Dr, Talladega, AL, 35160 in Talladega. Priced at $200,000, it generates $1,721/mo in gross rent and $589/mo in net monthly cash flow, a 10.32% yield that comfortably supports the 1.91 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,073. Five-year appreciation: $55,256. Equity from principal paydown: $1,842/yr. Total projected cumulative return: $113,363.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 8.0% |
| Monthly Cash Flow | $589 | $1,200 |
City averages based on Talladega market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,721 |
| Total Monthly Debt Service | $1,052 |
| DSCR Ratio | 1.64x |
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 1974
2.63 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 1974
2.63 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
Listed by: Julie Watson • EXIT Realty Cahaba
Mls Name: GALMLS
Mls Provider:
Mls ID: #21393358
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.