4458 Highway 18 WFayetteAL35555
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 4458 Highway 18 W, Fayette, AL, 35555 in Fayette deserves attention. This $115,000 property earns $2,077/mo in rent, a 21.68% gross yield, and nets $1,428/mo after the $517/mo payment. DSCR 4.02 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $31,772 compounds alongside $1,059/yr in yearly equity build, for a total cumulative return of $135,239.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 21.7% | 8.0% |
| Monthly Cash Flow | $1,428 | $150 |
City averages based on Fayette market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,077 |
| Total Monthly Debt Service | $603 |
| DSCR Ratio | 3.44x |
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 1972
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35555, Fayette, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,507 (100%) |
| Owner Occupied HU | 2,740 (60.8%) |
| Renter Occupied HU | 1,038 (23.0%) |
| Vacant Housing Units | 729 (16.2%) |
| Median Home Value | $171,483 |
| Average Home Value | $279,089 |
Housing Distribution
Address Breakdown
Residential
4,213
Single Family
4,034
Multi-Family
179
Businesses
446
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 1972
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35555, Fayette, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,507 (100%) |
| Owner Occupied HU | 2,740 (60.8%) |
| Renter Occupied HU | 1,038 (23.0%) |
| Vacant Housing Units | 729 (16.2%) |
| Median Home Value | $171,483 |
| Average Home Value | $279,089 |
Housing Distribution
Address Breakdown
Residential
4,213
Single Family
4,034
Multi-Family
179
Businesses
446
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Derrick Seay • DSEAYCOM
Mls Name: WAMLS
Mls Provider:
Mls ID: #164211
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.