636 Barron RdTroyAL36081
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 636 Barron Rd, Troy, AL, 36081 in Troy. Priced at $283,100, it generates $2,410/mo in gross rent and $812/mo in net monthly cash flow, a 10.21% yield that comfortably supports the 1.89 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,740. Five-year appreciation: $78,215. Equity from principal paydown: $2,607/yr. Total projected cumulative return: $158,951.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 6.0% |
| Monthly Cash Flow | $812 | $1,200 |
City averages based on Troy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,410 |
| Total Monthly Debt Service | $1,485 |
| DSCR Ratio | 1.62x |
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.
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36081, Troy, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,894 (100%) |
| Owner Occupied HU | 3,190 (40.4%) |
| Renter Occupied HU | 3,586 (45.4%) |
| Vacant Housing Units | 1,118 (14.2%) |
| Median Home Value | $193,649 |
| Average Home Value | $253,155 |
Housing Distribution
Address Breakdown
Residential
7,341
Single Family
6,618
Multi-Family
723
Businesses
844
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
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36081, Troy, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,894 (100%) |
| Owner Occupied HU | 3,190 (40.4%) |
| Renter Occupied HU | 3,586 (45.4%) |
| Vacant Housing Units | 1,118 (14.2%) |
| Median Home Value | $193,649 |
| Average Home Value | $253,155 |
Housing Distribution
Address Breakdown
Residential
7,341
Single Family
6,618
Multi-Family
723
Businesses
844
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices