4609 45th St ETuscaloosaAL35405
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4609 45th St E, Tuscaloosa, AL, 35405 in Tuscaloosa. Priced at $179,900, it generates $1,604/mo in gross rent and $554/mo in net monthly cash flow, a 10.7% yield that comfortably supports the 1.98 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,654. Five-year appreciation: $49,703. Equity from principal paydown: $1,657/yr. Total projected cumulative return: $103,606.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 7.2% |
| Monthly Cash Flow | $554 | $1,250 |
City averages based on Tuscaloosa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,604 |
| Total Monthly Debt Service | $978 |
| DSCR Ratio | 1.64x |
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 1969
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35405, Tuscaloosa, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,110 (100%) |
| Owner Occupied HU | 10,558 (47.8%) |
| Renter Occupied HU | 9,678 (43.8%) |
| Vacant Housing Units | 1,874 ( 8.5%) |
| Median Home Value | $267,204 |
| Average Home Value | $301,942 |
Housing Distribution
Address Breakdown
Residential
19,846
Single Family
15,775
Multi-Family
4,071
Businesses
911
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 1969
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35405, Tuscaloosa, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,110 (100%) |
| Owner Occupied HU | 10,558 (47.8%) |
| Renter Occupied HU | 9,678 (43.8%) |
| Vacant Housing Units | 1,874 ( 8.5%) |
| Median Home Value | $267,204 |
| Average Home Value | $301,942 |
Housing Distribution
Address Breakdown
Residential
19,846
Single Family
15,775
Multi-Family
4,071
Businesses
911
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mike Sadberry • Tuskaloosa Realty
Mls Name: WAMLS
Mls Provider:
Mls ID: #169145
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.