105 Agona LnTroyAL36079
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play105 Agona Ln, Troy, AL, 36079 in Troy is priced for appreciation, not yield. Rental yield 4.64%. At $372,374 with a 4.64% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $102,880 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.86) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $96,502.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 6.0% |
| Monthly Cash Flow | $(683) | $1,200 |
City averages based on Troy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,440 |
| Total Monthly Debt Service | $1,975 |
| DSCR Ratio | 0.73x |
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.
Single Family
Built in 2025
8,712 sqft lot
$N/A/sqft
$250 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36079, Troy, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,002 (100%) |
| Owner Occupied HU | 3,081 (61.6%) |
| Renter Occupied HU | 1,450 (29.0%) |
| Vacant Housing Units | 471 ( 9.4%) |
| Median Home Value | $192,287 |
| Average Home Value | $214,284 |
Housing Distribution
Address Breakdown
Residential
4,610
Single Family
4,163
Multi-Family
447
Businesses
139
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 2025
8,712 sqft lot
$N/A/sqft
$250 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36079, Troy, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,002 (100%) |
| Owner Occupied HU | 3,081 (61.6%) |
| Renter Occupied HU | 1,450 (29.0%) |
| Vacant Housing Units | 471 ( 9.4%) |
| Median Home Value | $192,287 |
| Average Home Value | $214,284 |
Housing Distribution
Address Breakdown
Residential
4,610
Single Family
4,163
Multi-Family
447
Businesses
139
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tonya L. Blocher • Porch Light Real Estate, LLC.
Mls Name: MAAR
Mls Provider:
Mls ID: #575696
Disclaimer: Information is deemed reliable, but not guaranteed. Listing Information Copyright 2025 Multiple Listing Service, Inc. of Montgomery Area Association of REALTORS Inc. The information being provided is for consumers' personal, non-commercial use and will not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating to real estate for sale on this web site comes in part from the IDX Program of the Multiple Listing Service, Inc. of Montgomery Area Association of REALTORS Inc. Real estate listings held by brokerage firms other than Zillow, Inc are governed by MLS Rules and Regulations and detailed information about them includes the name of the listing companies.