The Hayden Plan, McCalla TraceBessemerAL35022
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSolid, durable, and financeable, The Hayden Plan, McCalla Trace, Bessemer, AL, 35022 in Bessemer earns a 7.9% gross yield at $354,900. Rent of $2,338/mo nets $334/mo after the $1,682/mo mortgage. The 1.39 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $98,052 and $2,975/yr in equity accumulation project a total cumulative return of $148,634.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.8% |
| Monthly Cash Flow | $334 | $450 |
City averages based on Bessemer market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,338 |
| Total Monthly Debt Service | $1,949 |
| DSCR Ratio | 1.20x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in N/A
N/A 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
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
