167 Rosemary DrMontgomeryAL36109
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.49% yield at 167 Rosemary Dr, Montgomery, AL, 36109 in Montgomery is solid, but the $931/mo payment compresses net cash flow to $123/mo at $207,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $57,190 by year five, and $1,906/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.39) without U.S. income documentation. Total projected return: $85,877.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 7.0% |
| Monthly Cash Flow | $123 | $500 |
City averages based on Montgomery market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,291 |
| Total Monthly Debt Service | $1,086 |
| DSCR Ratio | 1.19x |
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 1959
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36109, Montgomery, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,022 (100%) |
| Owner Occupied HU | 6,978 (63.3%) |
| Renter Occupied HU | 3,255 (29.5%) |
| Vacant Housing Units | 789 ( 7.2%) |
| Median Home Value | $154,173 |
| Average Home Value | $182,479 |
Housing Distribution
Address Breakdown
Residential
10,699
Single Family
10,450
Multi-Family
249
Businesses
765
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 1959
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36109, Montgomery, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,022 (100%) |
| Owner Occupied HU | 6,978 (63.3%) |
| Renter Occupied HU | 3,255 (29.5%) |
| Vacant Housing Units | 789 ( 7.2%) |
| Median Home Value | $154,173 |
| Average Home Value | $182,479 |
Housing Distribution
Address Breakdown
Residential
10,699
Single Family
10,450
Multi-Family
249
Businesses
765
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Corina Hamby • RE/MAX Cornerstone Plus
Mls Name: MAAR
Mls ID: #582588