21320 Callie CirMcCallaAL35111
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 21320 Callie Cir, McCalla, AL, 35111 in McCalla offers a clean, manageable entry. At $599,500, the 6.95% yield from $3,474/mo in rent nets $63/mo monthly. DSCR 1.29 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $165,631 in additional property value over five years, with $5,521/yr in principal equity building ownership stake. Total projected cumulative return: $231,708.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 12.0% |
| Monthly Cash Flow | $63 | $1,200 |
City averages based on McCalla market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,474 |
| Total Monthly Debt Service | $3,145 |
| DSCR Ratio | 1.10x |
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 2025
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35111, Mc Calla, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,079 (100%) |
| Owner Occupied HU | 6,659 (82.4%) |
| Renter Occupied HU | 881 (10.9%) |
| Vacant Housing Units | 539 ( 6.7%) |
| Median Home Value | $291,463 |
| Average Home Value | $316,877 |
Housing Distribution
Address Breakdown
Residential
7,145
Single Family
7,098
Multi-Family
47
Businesses
357
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 2025
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35111, Mc Calla, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,079 (100%) |
| Owner Occupied HU | 6,659 (82.4%) |
| Renter Occupied HU | 881 (10.9%) |
| Vacant Housing Units | 539 ( 6.7%) |
| Median Home Value | $291,463 |
| Average Home Value | $316,877 |
Housing Distribution
Address Breakdown
Residential
7,145
Single Family
7,098
Multi-Family
47
Businesses
357
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices