3227 Agate StMontgomeryAL36105
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 3227 Agate St, Montgomery, AL, 36105 in Montgomery. At $127,000 it earns $1,124/mo in rent and distributes $306/mo to the owner after the $571/mo payment, a consistent 9.3% yield. DSCR 1.97 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $35,088 in value; $1,170/yr in principal paydown compounds ownership stake. Total projected return: $74,067.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 7.0% |
| Monthly Cash Flow | $306 | $500 |
City averages based on Montgomery market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,124 |
| Total Monthly Debt Service | $666 |
| DSCR Ratio | 1.69x |
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 1960
7,840 sqft 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 1960
7,840 sqft 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: Tyneshia Hasberry • Berryville Realty LLC.
Mls Name: MAAR
Mls ID: #578558