4221 Choctaw StAnnistonAL36206
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 4221 Choctaw St, Anniston, AL, 36206 in Anniston. Rental yield 3.77%. At $629,900 with 3.77% gross yield, current distributions are modest, but the 5% appreciation rate projects $174,030 in new equity by year five, complemented by $5,801/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.70) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $136,007.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.2% |
| Monthly Cash Flow | $(1,575) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,980 |
| Total Monthly Debt Service | $3,305 |
| DSCR Ratio | 0.60x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1990
2.02 Acres 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 1990
2.02 Acres 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