0 S Three Notch StTroyAL36081
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 0 S Three Notch St, Troy, AL, 36081 in Troy worth study. Rental yield 2.06%. The 2.06% gross yield is below cash-flow benchmarks at $645,000, but 5% annual appreciation, adding $178,202 over five years, frames this as a capital growth position. Rent of $1,108/mo partially offsets the $2,900/mo payment. Ziffy Mortgage finances appreciation-play properties (0.38 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $80,113.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.1% | 6.0% |
| Monthly Cash Flow | $(2,533) | $1,200 |
City averages based on Troy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,108 |
| Total Monthly Debt Service | $3,384 |
| DSCR Ratio | 0.33x |
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.
Multi Family
Built in N/A
7.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36081, Troy, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,894 (100%) |
| Owner Occupied HU | 3,190 (40.4%) |
| Renter Occupied HU | 3,586 (45.4%) |
| Vacant Housing Units | 1,118 (14.2%) |
| Median Home Value | $193,649 |
| Average Home Value | $253,155 |
Housing Distribution
Address Breakdown
Residential
7,341
Single Family
6,618
Multi-Family
723
Businesses
844
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
Multi Family
Built in N/A
7.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36081, Troy, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,894 (100%) |
| Owner Occupied HU | 3,190 (40.4%) |
| Renter Occupied HU | 3,586 (45.4%) |
| Vacant Housing Units | 1,118 (14.2%) |
| Median Home Value | $193,649 |
| Average Home Value | $253,155 |
Housing Distribution
Address Breakdown
Residential
7,341
Single Family
6,618
Multi-Family
723
Businesses
844
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices