2012-2016 2020 Allendale RdMontgomeryAL36111
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 2012-2016 2020 Allendale Rd, Montgomery, AL, 36111 in Montgomery worth study. Rental yield 2.74%. The 2.74% gross yield is below cash-flow benchmarks at $625,000, but 5% annual appreciation, adding $172,676 over five years, frames this as a capital growth position. Rent of $1,428/mo partially offsets the $2,810/mo payment. Ziffy Mortgage finances appreciation-play properties (0.51 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $100,450.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.7% | 7.0% |
| Monthly Cash Flow | $(2,100) | $500 |
City averages based on Montgomery market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,428 |
| Total Monthly Debt Service | $3,279 |
| DSCR Ratio | 0.44x |
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.
Multi Family
Built in 1941
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36111, Montgomery, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,650 (100%) |
| Owner Occupied HU | 3,015 (53.4%) |
| Renter Occupied HU | 1,998 (35.4%) |
| Vacant Housing Units | 637 (11.3%) |
| Median Home Value | $210,299 |
| Average Home Value | $276,216 |
Housing Distribution
Address Breakdown
Residential
5,518
Single Family
4,591
Multi-Family
927
Businesses
232
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
Multi Family
Built in 1941
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36111, Montgomery, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,650 (100%) |
| Owner Occupied HU | 3,015 (53.4%) |
| Renter Occupied HU | 1,998 (35.4%) |
| Vacant Housing Units | 637 (11.3%) |
| Median Home Value | $210,299 |
| Average Home Value | $276,216 |
Housing Distribution
Address Breakdown
Residential
5,518
Single Family
4,591
Multi-Family
927
Businesses
232
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: William F. Davis • Reid & Davis Realtors, LLC.
Mls Name: MAAR
Mls ID: #582305