805 E St STalladegaAL35160
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow805 E St S, Talladega, AL, 35160 in Talladega earns its strong cash-flow label: 10.57% yield, $2,047/mo rent, $735/mo net income, DSCR 1.96. The $232,500 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $64,235 by year five. Combined with $2,141/yr in principal paydown, total projected return reaches $134,943.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 8.0% |
| Monthly Cash Flow | $735 | $1,200 |
City averages based on Talladega market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,047 |
| Total Monthly Debt Service | $1,220 |
| DSCR Ratio | 1.68x |
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 1964
1.25 Acres 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 1964
1.25 Acres 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: Dayna Layfield • Porter and Porter
Mls Name: GALMLS
Mls Provider:
Mls ID: #21418079
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.