0 Ararat RdToxeyAL36921
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 0 Ararat Rd, Toxey, AL, 36921 in Toxey is narrow, $42/mo net on $976/mo rent after the $744/mo debt service, but the property operates at break-even-plus, not a loss. At $165,432 with a 7.08% yield, the long-run equity case via 5% appreciation ($45,706 over five years) and $1,524/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.31 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $65,052.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.2% |
| Monthly Cash Flow | $42 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $976 |
| Total Monthly Debt Service | $868 |
| DSCR Ratio | 1.12x |
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.
Lot
Built in N/A
54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36921, Toxey, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 626 (100%) |
| Owner Occupied HU | 404 (64.5%) |
| Renter Occupied HU | 72 (11.5%) |
| Vacant Housing Units | 150 (24.0%) |
| Median Home Value | $157,095 |
| Average Home Value | $144,462 |
Housing Distribution
Address Breakdown
Residential
479
Single Family
479
Multi-Family
0
Businesses
25
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
Lot
Built in N/A
54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36921, Toxey, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 626 (100%) |
| Owner Occupied HU | 404 (64.5%) |
| Renter Occupied HU | 72 (11.5%) |
| Vacant Housing Units | 150 (24.0%) |
| Median Home Value | $157,095 |
| Average Home Value | $144,462 |
Housing Distribution
Address Breakdown
Residential
479
Single Family
479
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices