4500 County Road 48Cedar BluffAL35959
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow4500 County Road 48, Cedar Bluff, AL, 35959 in Cedar Bluff earns its strong cash-flow label: 10.58% yield, $1,498/mo rent, $539/mo net income, DSCR 1.96. The $169,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $46,940 by year five. Combined with $1,565/yr in principal paydown, total projected return reaches $98,727.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 6.2% |
| Monthly Cash Flow | $539 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,498 |
| Total Monthly Debt Service | $891 |
| DSCR Ratio | 1.68x |
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 N/A
3.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35959, Cedar Bluff, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,132 (100%) |
| Owner Occupied HU | 1,581 (50.5%) |
| Renter Occupied HU | 472 (15.1%) |
| Vacant Housing Units | 1,079 (34.5%) |
| Median Home Value | $218,083 |
| Average Home Value | $256,347 |
Housing Distribution
Address Breakdown
Residential
2,466
Single Family
2,466
Multi-Family
0
Businesses
90
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 N/A
3.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35959, Cedar Bluff, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,132 (100%) |
| Owner Occupied HU | 1,581 (50.5%) |
| Renter Occupied HU | 472 (15.1%) |
| Vacant Housing Units | 1,079 (34.5%) |
| Median Home Value | $218,083 |
| Average Home Value | $256,347 |
Housing Distribution
Address Breakdown
Residential
2,466
Single Family
2,466
Multi-Family
0
Businesses
90
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Greg Oliver • Go Realty LLC
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21869287
Disclaimer: Properties marked with this icon are provided courtesy of the Valley MLS IDX Database. Some or all of the listings displayed may not belong to the firm whose website is being visited. All information provided is deemed reliable but is not guaranteed and should be independently verified. Copyright 2025 Valley MLS