455 Rock Cliff RdHamiltonAL35570
INVESTMENT ANALYSIS
Investment Verdict
Solid Income455 Rock Cliff Rd, Hamilton, AL, 35570 in Hamilton is a solid income-producing rental, 9.38% gross yield, $938/mo rent, $261/mo net cash flow on a $120,000 buy. DSCR 1.65 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $33,154 and $1,006/yr in principal reduction project a total cumulative return of $59,724.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 7.0% |
| Monthly Cash Flow | $261 | $300 |
City averages based on Hamilton market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $938 |
| Total Monthly Debt Service | $659 |
| DSCR Ratio | 1.42x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1970
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35570, Hamilton, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,983 (100%) |
| Owner Occupied HU | 2,925 (58.7%) |
| Renter Occupied HU | 1,417 (28.4%) |
| Vacant Housing Units | 641 (12.9%) |
| Median Home Value | $130,580 |
| Average Home Value | $169,512 |
Housing Distribution
Address Breakdown
Residential
4,583
Single Family
4,447
Multi-Family
136
Businesses
428
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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
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Nearby investment properties with comparable prices
