226 Chris LnWinfieldAL35594
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 226 Chris Ln, Winfield, AL, 35594 in Winfield. At $358,000 it earns $2,352/mo in rent and distributes $331/mo to the owner after the $1,610/mo payment, a consistent 7.88% yield. DSCR 1.46 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $98,909 in value; $3,297/yr in principal paydown compounds ownership stake. Total projected return: $156,234.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 7.0% |
| Monthly Cash Flow | $331 | $1,200 |
City averages based on Winfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,352 |
| Total Monthly Debt Service | $1,878 |
| DSCR Ratio | 1.25x |
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 1995
1.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35594, Winfield, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,527 (100%) |
| Owner Occupied HU | 2,244 (63.6%) |
| Renter Occupied HU | 864 (24.5%) |
| Vacant Housing Units | 419 (11.9%) |
| Median Home Value | $162,189 |
| Average Home Value | $202,686 |
Housing Distribution
Address Breakdown
Residential
3,282
Single Family
3,113
Multi-Family
169
Businesses
340
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 1995
1.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35594, Winfield, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,527 (100%) |
| Owner Occupied HU | 2,244 (63.6%) |
| Renter Occupied HU | 864 (24.5%) |
| Vacant Housing Units | 419 (11.9%) |
| Median Home Value | $162,189 |
| Average Home Value | $202,686 |
Housing Distribution
Address Breakdown
Residential
3,282
Single Family
3,113
Multi-Family
169
Businesses
340
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rachel Perry • eXp Realty-Northern
Mls Name: Walker County Area MLS
Mls ID: #24-2043
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. Copyright 2025 Walker County Area MLS, All rights reserved.