215 Overcup DrTroyAL36079
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 215 Overcup Dr, Troy, AL, 36079 in Troy earns a 9.3% gross yield at $306,000. Rent of $2,371/mo nets $644/mo after the $1,376/mo mortgage. The 1.72 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $84,542 and $2,818/yr in equity accumulation project a total cumulative return of $156,762.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.0% |
| Monthly Cash Flow | $644 | $1,200 |
City averages based on Troy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,371 |
| Total Monthly Debt Service | $1,605 |
| DSCR Ratio | 1.48x |
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 2024
522.72 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36079, Troy, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,002 (100%) |
| Owner Occupied HU | 3,081 (61.6%) |
| Renter Occupied HU | 1,450 (29.0%) |
| Vacant Housing Units | 471 ( 9.4%) |
| Median Home Value | $192,287 |
| Average Home Value | $214,284 |
Housing Distribution
Address Breakdown
Residential
4,610
Single Family
4,163
Multi-Family
447
Businesses
139
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 2024
522.72 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36079, Troy, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,002 (100%) |
| Owner Occupied HU | 3,081 (61.6%) |
| Renter Occupied HU | 1,450 (29.0%) |
| Vacant Housing Units | 471 ( 9.4%) |
| Median Home Value | $192,287 |
| Average Home Value | $214,284 |
Housing Distribution
Address Breakdown
Residential
4,610
Single Family
4,163
Multi-Family
447
Businesses
139
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices