11 S Capitol PkwyMontgomeryAL36107
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 11 S Capitol Pkwy, Montgomery, AL, 36107 in Montgomery at $379,900 earns $2,232/mo in rent and nets $88/mo after the $1,708/mo payment, a 7.05% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $104,959 over five years. Ziffy Mortgage underwrites this on a 1.31 DSCR without U.S. credit history. With $3,499/yr in principal paydown, total projected return reaches $148,857.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 7.0% |
| Monthly Cash Flow | $88 | $500 |
City averages based on Montgomery market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,232 |
| Total Monthly Debt Service | $1,993 |
| 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.
Single Family
Built in 1915
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36107, Montgomery, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,276 (100%) |
| Owner Occupied HU | 1,256 (29.4%) |
| Renter Occupied HU | 2,236 (52.3%) |
| Vacant Housing Units | 784 (18.3%) |
| Median Home Value | $112,719 |
| Average Home Value | $179,126 |
Housing Distribution
Address Breakdown
Residential
3,635
Single Family
3,331
Multi-Family
304
Businesses
437
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 1915
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36107, Montgomery, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,276 (100%) |
| Owner Occupied HU | 1,256 (29.4%) |
| Renter Occupied HU | 2,236 (52.3%) |
| Vacant Housing Units | 784 (18.3%) |
| Median Home Value | $112,719 |
| Average Home Value | $179,126 |
Housing Distribution
Address Breakdown
Residential
3,635
Single Family
3,331
Multi-Family
304
Businesses
437
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MAAR
Mls ID: #585481