18548 Caffee CutoffVanceAL35490
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 18548 Caffee Cutoff, Vance, AL, 35490 in Vance: $2,154/mo in rent, $645/mo in net income, 9.67% gross yield, 1.79 DSCR, all at $267,400. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $73,878 in appreciation and $2,463/yr in principal paydown projects total cumulative return of $142,287.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 0.0% |
| Monthly Cash Flow | $645 | $0 |
City averages based on Vance market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,154 |
| Total Monthly Debt Service | $1,403 |
| DSCR Ratio | 1.54x |
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 2026
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35490, Vance, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,321 (100%) |
| Owner Occupied HU | 1,696 (73.1%) |
| Renter Occupied HU | 381 (16.4%) |
| Vacant Housing Units | 244 (10.5%) |
| Median Home Value | $239,637 |
| Average Home Value | $244,991 |
Housing Distribution
Address Breakdown
Residential
1,891
Single Family
1,891
Multi-Family
0
Businesses
95
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 2026
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35490, Vance, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,321 (100%) |
| Owner Occupied HU | 1,696 (73.1%) |
| Renter Occupied HU | 381 (16.4%) |
| Vacant Housing Units | 244 (10.5%) |
| Median Home Value | $239,637 |
| Average Home Value | $244,991 |
Housing Distribution
Address Breakdown
Residential
1,891
Single Family
1,891
Multi-Family
0
Businesses
95
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices