320 27th StTuscaloosaAL35401
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 320 27th St, Tuscaloosa, AL, 35401 in Tuscaloosa. At $215,900, it earns $1,224/mo in rent, maintains a 6.8% gross yield, and nets $5/mo after the $971/mo mortgage. The 1.26 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $59,649 and $1,988/yr in principal reduction project total return of $81,744.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 7.2% |
| Monthly Cash Flow | $5 | $1,250 |
City averages based on Tuscaloosa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,224 |
| Total Monthly Debt Service | $1,133 |
| DSCR Ratio | 1.08x |
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 1950
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35401, Tuscaloosa, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,493 (100%) |
| Owner Occupied HU | 4,167 (20.3%) |
| Renter Occupied HU | 12,697 (62.0%) |
| Vacant Housing Units | 3,629 (17.7%) |
| Median Home Value | $225,304 |
| Average Home Value | $305,922 |
Housing Distribution
Address Breakdown
Residential
17,933
Single Family
14,197
Multi-Family
3,736
Businesses
1,738
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 1950
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35401, Tuscaloosa, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,493 (100%) |
| Owner Occupied HU | 4,167 (20.3%) |
| Renter Occupied HU | 12,697 (62.0%) |
| Vacant Housing Units | 3,629 (17.7%) |
| Median Home Value | $225,304 |
| Average Home Value | $305,922 |
Housing Distribution
Address Breakdown
Residential
17,933
Single Family
14,197
Multi-Family
3,736
Businesses
1,738
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lenora McKinney • HAMNER REAL ESTATE
Mls Name: WAMLS
Mls ID: #171752