4705 Rosser Farms DrBessemerAL35022
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4705 Rosser Farms Dr, Bessemer, AL, 35022 in Bessemer is narrow, $144/mo net on $2,377/mo rent after the $1,421/mo debt service, but the property operates at break-even-plus, not a loss. At $315,999 with a 9.03% yield, the long-run equity case via 5% appreciation ($87,305 over five years) and $2,910/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.67 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $157,238.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.8% |
| Monthly Cash Flow | $144 | $450 |
City averages based on Bessemer market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,377 |
| Total Monthly Debt Service | $1,658 |
| DSCR Ratio | 1.43x |
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 2023
6,926 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35022, Bessemer, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,303 (100%) |
| Owner Occupied HU | 7,161 (69.5%) |
| Renter Occupied HU | 2,415 (23.4%) |
| Vacant Housing Units | 727 ( 7.1%) |
| Median Home Value | $306,389 |
| Average Home Value | $363,775 |
Housing Distribution
Address Breakdown
Residential
10,353
Single Family
9,804
Multi-Family
549
Businesses
682
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 2023
6,926 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35022, Bessemer, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,303 (100%) |
| Owner Occupied HU | 7,161 (69.5%) |
| Renter Occupied HU | 2,415 (23.4%) |
| Vacant Housing Units | 727 ( 7.1%) |
| Median Home Value | $306,389 |
| Average Home Value | $363,775 |
Housing Distribution
Address Breakdown
Residential
10,353
Single Family
9,804
Multi-Family
549
Businesses
682
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices