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12731 Collier Curve in McCalla, ALSingle Family
McCalla, AL

12731 Collier Curve

$317,900
5 bd3 ba2,092 sq ftBuilt 2026
Rent estimate
$1,995–$2,095/mo
Cash ROI
5.7%
Property taxes
$289/mo
Insurance
$95/mo
HOA
$58/mo
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What a lender sees on this property

DSCR is the whole underwrite on a rental loan: the rent divided by the full monthly payment. No tax returns, no W-2. Everything below starts from this property’s actual figures, and every field is yours to change.

  • Rent$1,995/mo, the low end of the estimate
  • Structure20% down, 30-year term, interest-only
  • Rate6.5%, not a Lineage quote
  • Carrying costsThis property’s own taxes, insurance and HOA
Your dealResults update as you type.
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DSCR = monthly rent ÷ full monthly payment (principal, interest, taxes, insurance, HOA). Max loan holds your rate, term, taxes, and insurance fixed. Rate is not a Lineage quote; edit it to match yours. Estimates only, not a loan offer.

Your DSCR estimate
1.10
DSCR ratio
Qualifies with many lenders. 1.25+ gets better terms
Monthly payment (PITIA)Loan $1,607 · Interest-only $1,378 · Taxes + insurance $442
$1,820
Max loan at this rent (DSCR 1.25)≈ $266,308 purchase price · $286,708 at DSCR 1.0
$213,046
Down payment20% of $317,900
$63,580

At interest-only, this payment equals a 30-year fully amortized loan at about 5.08%.

During the interest-only period the balance doesn’t shrink, so one of the four returns (principal paydown) is paused. The trade is monthly cash flow now for equity build later.

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DSCR compares the property’s monthly rent to its full monthly payment (principal, interest, taxes, insurance, HOA). Most lenders approve at 1.0 or higher; 1.25+ typically earns better pricing. Estimates only. Not a loan offer or a commitment to lend.

Estimates only. Not a loan offer or a commitment to lend. Actual terms depend on credit, property, location, and market conditions. DSCR loans through Lineage are originated by our lending partner.

Illustrative example. Actual returns vary based on market conditions, property performance, and financing terms. The rent figure is an estimate provided by the local property manager and is not a guarantee. Taxes, insurance, and HOA dues are the amounts on the listing at the time of this snapshot and can change. Calculator output is an estimate, not a loan offer or a commitment to lend. This property was available as of August 2026 and may no longer be. Lineage Technologies, Inc. acts as a transaction broker and does not represent either party in a fiduciary capacity.

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