7650 State Highway 9AnnistonAL36207
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 7650 State Highway 9, Anniston, AL, 36207 in Anniston is narrow, $174/mo net on $1,302/mo rent after the $899/mo debt service, but the property operates at break-even-plus, not a loss. At $199,900 with a 7.82% yield, the long-run equity case via 5% appreciation ($55,229 over five years) and $1,841/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.45 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $86,558.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.5% |
| Monthly Cash Flow | $174 | $300 |
City averages based on Anniston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,302 |
| Total Monthly Debt Service | $1,049 |
| DSCR Ratio | 1.24x |
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 2004
0.61 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 2004
0.61 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: #21417199
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.