8613 Hearthstone DrMontgomeryAL36117
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 8613 Hearthstone Dr, Montgomery, AL, 36117 in Montgomery speaks for itself: 10.1% gross on a $375,000 price, generating $3,156/mo in rent and $805/mo in net income after the $1,686/mo debt service. DSCR 1.87, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,664 stacks alongside $103,606 in projected five-year appreciation and $3,454/yr in principal reduction. Projected total cumulative return: $194,168.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 7.0% |
| Monthly Cash Flow | $805 | $500 |
City averages based on Montgomery market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,156 |
| Total Monthly Debt Service | $2,201 |
| DSCR Ratio | 1.43x |
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 2002
2,999 sqft lot
$N/A/sqft
$189 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36117, Montgomery, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,007 (100%) |
| Owner Occupied HU | 13,567 (56.5%) |
| Renter Occupied HU | 8,597 (35.8%) |
| Vacant Housing Units | 1,843 ( 7.7%) |
| Median Home Value | $250,387 |
| Average Home Value | $309,204 |
Housing Distribution
Address Breakdown
Residential
23,587
Single Family
18,506
Multi-Family
5,081
Businesses
2,380
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 2002
2,999 sqft lot
$N/A/sqft
$189 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36117, Montgomery, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,007 (100%) |
| Owner Occupied HU | 13,567 (56.5%) |
| Renter Occupied HU | 8,597 (35.8%) |
| Vacant Housing Units | 1,843 ( 7.7%) |
| Median Home Value | $250,387 |
| Average Home Value | $309,204 |
Housing Distribution
Address Breakdown
Residential
23,587
Single Family
18,506
Multi-Family
5,081
Businesses
2,380
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A