4316 Ray DrMontgomeryAL36109








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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


Investment Highlights
Investment property for sale in Montgomery at 4316 Ray Dr, Montgomery, AL, 36109 with 5% annual appreciation on a $155,900 basis while $1,970/mo rent supports operations. Total monthly income totals $1,970/mo and a $763/mo payment preserves $1,090/mo for cash returns. Annual cash flow comes to $13,081/yr on $51,681 deployed, and return on cash invested reaches 45.22% in year one. Equity gained on principal adds $1,006/yr, and five-year appreciation sums $43,072 alongside rental yield of 15.16%. Five-year ROI measures 237.95% and total cumulative return in cash totals $122,974.
Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $1,970/mo property income versus a $763/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.
Single Family
Built in 1974
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36109, Montgomery, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,022 (100%) |
| Owner Occupied HU | 6,978 (63.3%) |
| Renter Occupied HU | 3,255 (29.5%) |
| Vacant Housing Units | 789 ( 7.2%) |
| Median Home Value | $154,173 |
| Average Home Value | $182,479 |
Housing Distribution
Address Breakdown
Residential
10,699
Single Family
10,450
Multi-Family
249
Businesses
765
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Listed by: N/A • N/A
Mls Name: EXIT Realty broker feed
Mls ID: #559297








