2495 Grimwood RdToneyAL35773
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 2495 Grimwood Rd, Toney, AL, 35773 in Toney worth study. Rental yield 5.31%. The 5.31% gross yield is below cash-flow benchmarks at $536,000, but 5% annual appreciation, adding $148,087 over five years, frames this as a capital growth position. Rent of $2,779/mo partially offsets the $2,410/mo payment. Ziffy Mortgage finances appreciation-play properties (1.15 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $186,112.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 9.0% |
| Monthly Cash Flow | $(653) | $300 |
City averages based on Toney market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,779 |
| Total Monthly Debt Service | $2,812 |
| DSCR Ratio | 0.99x |
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 1997
4.90 Acres lot
$N/A/sqft
No 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 1997
4.90 Acres lot
$N/A/sqft
No 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: Karen Ruffin • Kendall James Realty
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21889647
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