146 Point Cadet AveToneyAL35773
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow146 Point Cadet Ave, Toney, AL, 35773 in Toney earns its strong cash-flow label: 11.38% yield, $2,284/mo rent, $911/mo net income, DSCR 2.11. The $240,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $66,556 by year five. Combined with $2,219/yr in principal paydown, total projected return reaches $149,521.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 9.0% |
| Monthly Cash Flow | $911 | $300 |
City averages based on Toney market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,284 |
| Total Monthly Debt Service | $1,276 |
| DSCR Ratio | 1.79x |
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 N/A
7,200 sqft lot
$N/A/sqft
$150 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35773, Toney, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,984 (100%) |
| Owner Occupied HU | 4,797 (80.2%) |
| Renter Occupied HU | 842 (14.1%) |
| Vacant Housing Units | 345 ( 5.8%) |
| Median Home Value | $288,999 |
| Average Home Value | $321,629 |
Housing Distribution
Address Breakdown
Residential
5,954
Single Family
5,954
Multi-Family
0
Businesses
171
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 N/A
7,200 sqft lot
$N/A/sqft
$150 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35773, Toney, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,984 (100%) |
| Owner Occupied HU | 4,797 (80.2%) |
| Renter Occupied HU | 842 (14.1%) |
| Vacant Housing Units | 345 ( 5.8%) |
| Median Home Value | $288,999 |
| Average Home Value | $321,629 |
Housing Distribution
Address Breakdown
Residential
5,954
Single Family
5,954
Multi-Family
0
Businesses
171
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Erika Rios • Rausch Coleman Realty Group
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21870717
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