3288 Ararat RdToxeyAL36921
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3288 Ararat Rd, Toxey, AL, 36921 in Toxey worth study. Rental yield 4.81%. The 4.81% gross yield is below cash-flow benchmarks at $260,000, but 5% annual appreciation, adding $71,833 over five years, frames this as a capital growth position. Rent of $1,043/mo partially offsets the $1,169/mo payment. Ziffy Mortgage finances appreciation-play properties (0.89 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $70,653.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 6.2% |
| Monthly Cash Flow | $(425) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,043 |
| Total Monthly Debt Service | $1,364 |
| DSCR Ratio | 0.76x |
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.
Manufactured
Built in 2018
9 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36921, Toxey, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 626 (100%) |
| Owner Occupied HU | 404 (64.5%) |
| Renter Occupied HU | 72 (11.5%) |
| Vacant Housing Units | 150 (24.0%) |
| Median Home Value | $157,095 |
| Average Home Value | $144,462 |
Housing Distribution
Address Breakdown
Residential
479
Single Family
479
Multi-Family
0
Businesses
25
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
Manufactured
Built in 2018
9 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36921, Toxey, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 626 (100%) |
| Owner Occupied HU | 404 (64.5%) |
| Renter Occupied HU | 72 (11.5%) |
| Vacant Housing Units | 150 (24.0%) |
| Median Home Value | $157,095 |
| Average Home Value | $144,462 |
Housing Distribution
Address Breakdown
Residential
479
Single Family
479
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices