106 E 49th StAnnistonAL36206
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 106 E 49th St, Anniston, AL, 36206 in Anniston: $1,140/mo in rent, $365/mo in net income, 10.6% gross yield, 1.97 DSCR, all at $129,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $35,640 in appreciation and $1,188/yr in principal paydown projects total cumulative return of $72,336.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 6.5% |
| Monthly Cash Flow | $365 | $300 |
City averages based on Anniston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,140 |
| Total Monthly Debt Service | $723 |
| DSCR Ratio | 1.58x |
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 1988
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36206, Anniston, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,087 (100%) |
| Owner Occupied HU | 3,173 (62.4%) |
| Renter Occupied HU | 1,404 (27.6%) |
| Vacant Housing Units | 510 (10.0%) |
| Median Home Value | $136,507 |
| Average Home Value | $194,038 |
Housing Distribution
Address Breakdown
Residential
4,821
Single Family
4,603
Multi-Family
218
Businesses
224
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 1988
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36206, Anniston, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,087 (100%) |
| Owner Occupied HU | 3,173 (62.4%) |
| Renter Occupied HU | 1,404 (27.6%) |
| Vacant Housing Units | 510 (10.0%) |
| Median Home Value | $136,507 |
| Average Home Value | $194,038 |
Housing Distribution
Address Breakdown
Residential
4,821
Single Family
4,603
Multi-Family
218
Businesses
224
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Steven Koleno • Beycome Brokerage Realty
Mls Name: GALMLS
Mls Provider:
Mls ID: #21402642
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.