4795 Rosser Loop DrBessemerAL35022
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 4795 Rosser Loop Dr, Bessemer, AL, 35022 in Bessemer: $2,023/mo in rent, $517/mo in net income, 9.32% gross yield, 1.73 DSCR, all at $260,400. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $71,944 in appreciation and $2,398/yr in principal paydown projects total cumulative return of $131,565.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.8% |
| Monthly Cash Flow | $517 | $450 |
City averages based on Bessemer market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,023 |
| Total Monthly Debt Service | $1,402 |
| DSCR Ratio | 1.44x |
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 2008
0.29 Acres lot
$N/A/sqft
$25 monthly 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 2008
0.29 Acres lot
$N/A/sqft
$25 monthly 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