15 Lillian LnAnnistonAL36207
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 15 Lillian Ln, Anniston, AL, 36207 in Anniston at $295,000 earns $1,819/mo in rent and nets $154/mo after the $1,327/mo payment, a 7.4% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $81,503 over five years. Ziffy Mortgage underwrites this on a 1.37 DSCR without U.S. credit history. With $2,717/yr in principal paydown, total projected return reaches $121,050.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.5% |
| Monthly Cash Flow | $154 | $300 |
City averages based on Anniston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,819 |
| Total Monthly Debt Service | $1,548 |
| DSCR Ratio | 1.18x |
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 1999
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36207, Anniston, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,589 (100%) |
| Owner Occupied HU | 5,959 (62.1%) |
| Renter Occupied HU | 2,548 (26.6%) |
| Vacant Housing Units | 1,082 (11.3%) |
| Median Home Value | $231,265 |
| Average Home Value | $272,426 |
Housing Distribution
Address Breakdown
Residential
8,888
Single Family
8,719
Multi-Family
169
Businesses
498
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 1999
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36207, Anniston, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,589 (100%) |
| Owner Occupied HU | 5,959 (62.1%) |
| Renter Occupied HU | 2,548 (26.6%) |
| Vacant Housing Units | 1,082 (11.3%) |
| Median Home Value | $231,265 |
| Average Home Value | $272,426 |
Housing Distribution
Address Breakdown
Residential
8,888
Single Family
8,719
Multi-Family
169
Businesses
498
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeremy Cromer • Kelly Right Real Estate of Ala
Mls Name: GALMLS
Mls Provider:
Mls ID: #21399764
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.