412 Chisholm StMontgomeryAL36110
INVESTMENT ANALYSIS
Investment Verdict
Solid Income412 Chisholm St, Montgomery, AL, 36110 in Montgomery is a solid income-producing rental, 9.64% gross yield, $1,124/mo rent, $334/mo net cash flow on a $139,900 buy. DSCR 1.79 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $38,652 and $1,288/yr in principal reduction project a total cumulative return of $74,284.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 7.0% |
| Monthly Cash Flow | $334 | $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 | $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 1934
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36110, Montgomery, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,225 (100%) |
| Owner Occupied HU | 2,236 (42.8%) |
| Renter Occupied HU | 2,133 (40.8%) |
| Vacant Housing Units | 856 (16.4%) |
| Median Home Value | $84,037 |
| Average Home Value | $182,234 |
Housing Distribution
Address Breakdown
Residential
4,871
Single Family
4,576
Multi-Family
295
Businesses
361
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 1934
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36110, Montgomery, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,225 (100%) |
| Owner Occupied HU | 2,236 (42.8%) |
| Renter Occupied HU | 2,133 (40.8%) |
| Vacant Housing Units | 856 (16.4%) |
| Median Home Value | $84,037 |
| Average Home Value | $182,234 |
Housing Distribution
Address Breakdown
Residential
4,871
Single Family
4,576
Multi-Family
295
Businesses
361
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MAAR
Mls ID: #584254