445 Derby LnMontgomeryAL36109
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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 445 Derby Ln, Montgomery, AL, 36109 offers a 6.42% rental yield on a $265,000 purchase with $1,418/mo rent. 21% in year one. Equity gained on principal adds $1,710/yr while 5% annual appreciation supports $73,215 over five years. Portfolio math shows five-year ROI at 88.27% and total cumulative return in cash at $77,547. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $1,418/mo property income against a $1,297/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.
Single Family
Built in 1979
0.41 Acres lot
$N/A/sqft
$8 monthly 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: Gregory Blackmon • Lifestyle Realty Group LLC
Mls Name: My State MLS
Mls ID: #11495066