4122 28th PlTuscaloosaAL35401
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4122 28th Pl, Tuscaloosa, AL, 35401 in Tuscaloosa speaks for itself: 11.14% gross on a $149,900 price, generating $1,392/mo in rent and $546/mo in net income after the $674/mo debt service. DSCR 2.07, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $6,551 stacks alongside $41,415 in projected five-year appreciation and $1,381/yr in principal reduction. Projected total cumulative return: $91,631.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 7.2% |
| Monthly Cash Flow | $546 | $1,250 |
City averages based on Tuscaloosa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,392 |
| Total Monthly Debt Service | $786 |
| DSCR Ratio | 1.77x |
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 1964
N/A 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 1964
N/A 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: N/A • N/A
Mls Name: WAMLS
Mls ID: #174061