6416 Firefly LnMontgomeryAL36116
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 6416 Firefly Ln, Montgomery, AL, 36116 in Montgomery is narrow, $173/mo net on $2,130/mo rent after the $1,501/mo debt service, but the property operates at break-even-plus, not a loss. At $333,900 with a 7.65% yield, the long-run equity case via 5% appreciation ($92,250 over five years) and $3,075/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.42 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $137,340.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 7.0% |
| Monthly Cash Flow | $173 | $500 |
City averages based on Montgomery market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,130 |
| Total Monthly Debt Service | $1,824 |
| DSCR Ratio | 1.17x |
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 2026
9,147 sqft lot
$N/A/sqft
$860 annually 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
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 2026
9,147 sqft lot
$N/A/sqft
$860 annually 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
Nearby investment properties with comparable prices
Listed by: James A. Tate • DHI Realty of Al. LLC. Montg.
Mls Name: MAAR
Mls Provider:
Mls ID: #584090
Disclaimer: Information is deemed reliable, but not guaranteed. Listing Information Copyright 2026 Multiple Listing Service, Inc. of Montgomery Area Association of REALTORS Inc. The information being provided is for consumers' personal, non-commercial use and will not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating to real estate for sale on this web site comes in part from the IDX Program of the Multiple Listing Service, Inc. of Montgomery Area Association of REALTORS Inc. Real estate listings held by brokerage firms other than Zillow, Inc are governed by MLS Rules and Regulations and detailed information about them includes the name of the listing companies.