Carson Joya Brook WayToneyAL35773
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, Carson Joya Brook Way, Toney, AL, 35773 in Toney deserves attention. This $235,200 property earns $1,980/mo in rent, a 10.1% gross yield, and nets $652/mo after the $1,058/mo payment. DSCR 1.87 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $64,981 compounds alongside $2,166/yr in yearly equity build, for a total cumulative return of $130,598.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 9.0% |
| Monthly Cash Flow | $652 | $300 |
City averages based on Toney market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,980 |
| Total Monthly Debt Service | $1,234 |
| DSCR Ratio | 1.60x |
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: 35773, Toney, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,984 (100%) |
| Owner Occupied HU | 4,797 (80.2%) |
| Renter Occupied HU | 842 (14.1%) |
| Vacant Housing Units | 345 ( 5.8%) |
| Median Home Value | $288,999 |
| Average Home Value | $321,629 |
Housing Distribution
Address Breakdown
Residential
5,954
Single Family
5,954
Multi-Family
0
Businesses
171
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: 35773, Toney, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,984 (100%) |
| Owner Occupied HU | 4,797 (80.2%) |
| Renter Occupied HU | 842 (14.1%) |
| Vacant Housing Units | 345 ( 5.8%) |
| Median Home Value | $288,999 |
| Average Home Value | $321,629 |
Housing Distribution
Address Breakdown
Residential
5,954
Single Family
5,954
Multi-Family
0
Businesses
171
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices