201 Felder AveMontgomeryAL36104
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 201 Felder Ave, Montgomery, AL, 36104 in Montgomery fits: $385,000, 4.92% gross yield, and a projected 5% annual appreciation rate adding $106,368 in value within five years. Rental yield 4.92%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.91) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,546/yr in principal paydown and $106,368 in appreciation project a total return of $106,828.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 7.0% |
| Monthly Cash Flow | $(595) | $500 |
City averages based on Montgomery market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,578 |
| Total Monthly Debt Service | $2,020 |
| DSCR Ratio | 0.78x |
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 1940
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36104, Montgomery, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,824 (100%) |
| Owner Occupied HU | 939 (19.5%) |
| Renter Occupied HU | 2,442 (50.6%) |
| Vacant Housing Units | 1,443 (29.9%) |
| Median Home Value | $125,781 |
| Average Home Value | $238,222 |
Housing Distribution
Address Breakdown
Residential
3,761
Single Family
3,151
Multi-Family
610
Businesses
1,196
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 1940
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36104, Montgomery, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,824 (100%) |
| Owner Occupied HU | 939 (19.5%) |
| Renter Occupied HU | 2,442 (50.6%) |
| Vacant Housing Units | 1,443 (29.9%) |
| Median Home Value | $125,781 |
| Average Home Value | $238,222 |
Housing Distribution
Address Breakdown
Residential
3,761
Single Family
3,151
Multi-Family
610
Businesses
1,196
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MAAR
Mls ID: #585071