5361 S Shades Crest RdBessemerAL35022
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 5361 S Shades Crest Rd, Bessemer, AL, 35022 in Bessemer at $709,900, 5.27% gross yield, is a market-growth asset. Rental yield 5.27%. The $3,115/mo rent partially funds the $3,192/mo debt service; the core return is the 5%/yr price growth projected to add $196,132 over five years. Ziffy Mortgage's DSCR mortgage (0.98) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $210,133.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 6.8% |
| Monthly Cash Flow | $(892) | $450 |
City averages based on Bessemer market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,115 |
| Total Monthly Debt Service | $3,725 |
| DSCR Ratio | 0.84x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2021
1 Acres 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 2021
1 Acres 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
Listed by: Christie Dietz • ARC Realty - Hoover
Mls Name: GALMLS
Mls Provider:
Mls ID: #21428073
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.