445 Valley RdFairfieldAL35064
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 445 Valley Rd, Fairfield, AL, 35064 in Fairfield hard to pass up. The 15.95% gross yield on a $144,700 purchase results in $1,924/mo in rent and $1,070/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.96). Annual cash flow of $12,835, five-year appreciation of $39,978, and $1,333/yr in equity build-up combine for a projected total cumulative return of $123,560.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16% | 9.2% |
| Monthly Cash Flow | $1,070 | $300 |
City averages based on Fairfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,924 |
| Total Monthly Debt Service | $796 |
| DSCR Ratio | 2.42x |
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 1925
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35064, Fairfield, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,691 (100%) |
| Owner Occupied HU | 2,188 (46.6%) |
| Renter Occupied HU | 1,634 (34.8%) |
| Vacant Housing Units | 869 (18.5%) |
| Median Home Value | $156,623 |
| Average Home Value | $247,569 |
Housing Distribution
Address Breakdown
Residential
3,865
Single Family
3,701
Multi-Family
164
Businesses
320
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 1925
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35064, Fairfield, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,691 (100%) |
| Owner Occupied HU | 2,188 (46.6%) |
| Renter Occupied HU | 1,634 (34.8%) |
| Vacant Housing Units | 869 (18.5%) |
| Median Home Value | $156,623 |
| Average Home Value | $247,569 |
Housing Distribution
Address Breakdown
Residential
3,865
Single Family
3,701
Multi-Family
164
Businesses
320
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices