3394 Cloverdale RdMontgomeryAL36106
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingInvestors approaching the U.S. market with capital-preservation in mind will find 3394 Cloverdale Rd, Montgomery, AL, 36106 in Montgomery aligned with their strategy. Rental yield 6.06%. DSCR 1.12 and 6.06% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $3,546/yr in paydown build toward a projected cumulative return of $130,312.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 7.0% |
| Monthly Cash Flow | $(230) | $500 |
City averages based on Montgomery market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,943 |
| Total Monthly Debt Service | $2,020 |
| DSCR Ratio | 0.96x |
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 1935
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36106, Montgomery, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,180 (100%) |
| Owner Occupied HU | 3,692 (51.4%) |
| Renter Occupied HU | 2,809 (39.1%) |
| Vacant Housing Units | 679 ( 9.5%) |
| Median Home Value | $240,108 |
| Average Home Value | $287,861 |
Housing Distribution
Address Breakdown
Residential
6,730
Single Family
6,712
Multi-Family
18
Businesses
954
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 1935
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36106, Montgomery, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,180 (100%) |
| Owner Occupied HU | 3,692 (51.4%) |
| Renter Occupied HU | 2,809 (39.1%) |
| Vacant Housing Units | 679 ( 9.5%) |
| Median Home Value | $240,108 |
| Average Home Value | $287,861 |
Housing Distribution
Address Breakdown
Residential
6,730
Single Family
6,712
Multi-Family
18
Businesses
954
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carlyle Chandler • Chandler Realty LLC
Mls Name: MAAR
Mls ID: #581847