3134 S Hull StMontgomeryAL36105
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 3134 S Hull St, Montgomery, AL, 36105 in Montgomery is listed at $139,900 and delivers $1,122/mo in rent and $332/mo in net monthly cash flow. The 9.62% yield and 1.78 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $38,652 over five years, and $1,288/yr in principal reduction supplements cash return. Total projected cumulative return: $74,164.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 7.0% |
| Monthly Cash Flow | $332 | $500 |
City averages based on Montgomery market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,122 |
| Total Monthly Debt Service | $734 |
| DSCR Ratio | 1.53x |
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 1941
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36105, Montgomery, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,109 (100%) |
| Owner Occupied HU | 2,443 (47.8%) |
| Renter Occupied HU | 1,669 (32.7%) |
| Vacant Housing Units | 997 (19.5%) |
| Median Home Value | $96,058 |
| Average Home Value | $158,936 |
Housing Distribution
Address Breakdown
Residential
4,329
Single Family
4,267
Multi-Family
62
Businesses
331
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 1941
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36105, Montgomery, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,109 (100%) |
| Owner Occupied HU | 2,443 (47.8%) |
| Renter Occupied HU | 1,669 (32.7%) |
| Vacant Housing Units | 997 (19.5%) |
| Median Home Value | $96,058 |
| Average Home Value | $158,936 |
Housing Distribution
Address Breakdown
Residential
4,329
Single Family
4,267
Multi-Family
62
Businesses
331
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Trey Sippial • River Region Realty Group LLC
Mls Name: MAAR
Mls ID: #581796