8540 Mountbatten Rd #204TuscaloosaAL35406
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 8540 Mountbatten Rd #204, Tuscaloosa, AL, 35406 in Tuscaloosa the bet is firmly on appreciation. Rental yield 1.38%. The 1.38% gross yield on a $1,437,500 price is below income-first thresholds, but 5%/yr value growth projects $397,155 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.26) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $83,993.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.4% | 7.2% |
| Monthly Cash Flow | $(7,159) | $1,250 |
City averages based on Tuscaloosa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,650 |
| Total Monthly Debt Service | $8,237 |
| DSCR Ratio | 0.20x |
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.
Condo
Built in 2025
N/A lot
$N/A/sqft
$695 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35406, Tuscaloosa, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,576 (100%) |
| Owner Occupied HU | 5,340 (70.5%) |
| Renter Occupied HU | 1,697 (22.4%) |
| Vacant Housing Units | 539 ( 7.1%) |
| Median Home Value | $452,157 |
| Average Home Value | $502,826 |
Housing Distribution
Address Breakdown
Residential
7,673
Single Family
6,501
Multi-Family
1,172
Businesses
439
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
Condo
Built in 2025
N/A lot
$N/A/sqft
$695 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35406, Tuscaloosa, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,576 (100%) |
| Owner Occupied HU | 5,340 (70.5%) |
| Renter Occupied HU | 1,697 (22.4%) |
| Vacant Housing Units | 539 ( 7.1%) |
| Median Home Value | $452,157 |
| Average Home Value | $502,826 |
Housing Distribution
Address Breakdown
Residential
7,673
Single Family
6,501
Multi-Family
1,172
Businesses
439
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alice Maxwell • Keller Williams Tuscaloosa
Mls Name: WAMLS
Mls Provider:
Mls ID: #164415
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.