3657 Oak Shadow LnMontgomeryAL36116
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Montgomery rental at 3657 Oak Shadow Ln, Montgomery, AL, 36116 sits in the solid-income band: 8.92% gross yield, $1,530/mo rent, $368/mo net after the $926/mo debt service, DSCR 1.65. Entry price of $205,900 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $56,886 and $1,896/yr in principal reduction bring total cumulative return to $101,272.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 7.0% |
| Monthly Cash Flow | $368 | $500 |
City averages based on Montgomery market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,530 |
| Total Monthly Debt Service | $1,080 |
| DSCR Ratio | 1.42x |
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 1987
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36116, Montgomery, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,731 (100%) |
| Owner Occupied HU | 8,809 (42.5%) |
| Renter Occupied HU | 9,974 (48.1%) |
| Vacant Housing Units | 1,948 ( 9.4%) |
| Median Home Value | $162,402 |
| Average Home Value | $247,377 |
Housing Distribution
Address Breakdown
Residential
18,818
Single Family
13,921
Multi-Family
4,897
Businesses
1,059
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 1987
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36116, Montgomery, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,731 (100%) |
| Owner Occupied HU | 8,809 (42.5%) |
| Renter Occupied HU | 9,974 (48.1%) |
| Vacant Housing Units | 1,948 ( 9.4%) |
| Median Home Value | $162,402 |
| Average Home Value | $247,377 |
Housing Distribution
Address Breakdown
Residential
18,818
Single Family
13,921
Multi-Family
4,897
Businesses
1,059
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tomeeka Martin • EXIT Garth Realty
Mls Name: MAAR
Mls ID: #579784