4504 Delray RdMontgomeryAL36116
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4504 Delray Rd, Montgomery, AL, 36116 in Montgomery at $104,900 earns $789/mo in rent and nets $197/mo after the $497/mo payment, a 9.03% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $28,982 over five years. Ziffy Mortgage underwrites this on a 1.59 DSCR without U.S. credit history. With $879/yr in principal paydown, total projected return reaches $50,281.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 7.0% |
| Monthly Cash Flow | $197 | $500 |
City averages based on Montgomery market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $789 |
| Total Monthly Debt Service | $576 |
| DSCR Ratio | 1.37x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1962
0.56 Acres 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
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: GALMLS
Mls Provider:
Mls ID: #21452408
