5420 Long AveAnnistonAL36206
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 5420 Long Ave, Anniston, AL, 36206 in Anniston is listed at $109,900 and delivers $1,069/mo in rent and $449/mo in net monthly cash flow. The 11.67% yield and 2.16 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $30,363 over five years, and $1,012/yr in principal reduction supplements cash return. Total projected cumulative return: $70,312.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.5% |
| Monthly Cash Flow | $449 | $300 |
City averages based on Anniston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,069 |
| Total Monthly Debt Service | $577 |
| DSCR Ratio | 1.85x |
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 1952
8,276 sqft 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 1952
8,276 sqft 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