593 W Sunset DrTalladegaAL35160
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 593 W Sunset Dr, Talladega, AL, 35160 in Talladega worth study. Rental yield 4.5%. The 4.5% gross yield is below cash-flow benchmarks at $400,000, but 5% annual appreciation, adding $110,513 over five years, frames this as a capital growth position. Rent of $1,501/mo partially offsets the $1,799/mo payment. Ziffy Mortgage finances appreciation-play properties (0.83 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $101,998.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 8.0% |
| Monthly Cash Flow | $(757) | $1,200 |
City averages based on Talladega market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,501 |
| Total Monthly Debt Service | $2,099 |
| DSCR Ratio | 0.72x |
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 1997
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35160, Talladega, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,627 (100%) |
| Owner Occupied HU | 7,296 (57.8%) |
| Renter Occupied HU | 3,436 (27.2%) |
| Vacant Housing Units | 1,895 (15.0%) |
| Median Home Value | $160,200 |
| Average Home Value | $225,173 |
Housing Distribution
Address Breakdown
Residential
11,112
Single Family
10,753
Multi-Family
359
Businesses
621
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 1997
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35160, Talladega, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,627 (100%) |
| Owner Occupied HU | 7,296 (57.8%) |
| Renter Occupied HU | 3,436 (27.2%) |
| Vacant Housing Units | 1,895 (15.0%) |
| Median Home Value | $160,200 |
| Average Home Value | $225,173 |
Housing Distribution
Address Breakdown
Residential
11,112
Single Family
10,753
Multi-Family
359
Businesses
621
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Natasha Okonski • Keller Williams Pell City
Mls Name: GALMLS
Mls Provider:
Mls ID: #21395716
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.