Summary
430 E 23RD ST, ANNISTON, AL is a $70,000 loan offering structured as a first lien position on a refinance cash out project in ANNISTON, AL listed on Groundfloor.
The offering carries a stated rate of 8%, a term of 12 months, a loan-to-value of 72.9%, and a minimum investment of $10.
It is secured by Real estate at 430 E 23RD ST, AL, and the borrowing entity is ND Property Rentals LLC.
According to the offering circular, the loan is a first lien, on the property at Nesta, with a 12-month term, a 8% rate to the borrower.
AltStreet tracks 17 other Groundfloor offerings in ANNISTON, AL, with disclosed rates ranging from 8% to 14%, and across 4,355 tracked Groundfloor offerings the median disclosed rate is 10.5%.
Terms shown here are drawn from SEC filing 0001104659-22-048046 and were captured by AltStreet on 2026-06-01. Figures are as disclosed at the time of the offering and are not updated for subsequent performance.
Disclosed Terms
- Offering amount
- $70,000
- Stated rate
- 8%
- Term
- 12 months
- Loan-to-value
- 72.9%
- Position
- First Lien
- Minimum investment
- $10
- Project type
- Refinance Cash Out
- Collateral
- Real Estate
- Return type
- Interest
- Borrowing entity
- ND Property Rentals LLC
- Status
- Active
- Target return
- 8%
- Collateral in place at close
- Yes
- Property address
- Nesta
- Lien position
- First Lien
- Loan term
- 12 months
- Rate to borrower
- 8%
- Repayment
- Balloon payment principal and interest returned on repayment due at maturity.
- Loan-to-ARV
- 72.9%
- Loan principal
- $70,000
- Maximum offering
- $70,000
- Offering circular
- Form 1-A POS 0001104659-22-048046
Terms as disclosed at the time of the offering. AltStreet does not update these figures for subsequent performance, and a disclosed rate is not a realized return.
Where It Sits in Groundfloor's Book
Disclosed rate
8%
Above 10% of peers, median 10.5%. Low for the book.
Hold period
12 mo
Above 19% of peers, median 12 mo. Low for the book.
Loan to value
72.9%
Above 90% of peers, median 67.9%. High for the book.
Compared against 4,323 other Groundfloor real estate offerings with a disclosed rate. 140 of them are in AL, where the median disclosed rate is 11%. A percentile places a disclosed term, not a result. Browse the full Groundfloor book.
Filing Record
430 E 23RD ST, ANNISTON, AL is offered under Groundfloor's Regulation A (Form 1-A) program, a single SEC registrant that covers 3,079 tracked offerings. The program's filing history runs from 1-A on Oct 4, 2022 to 1-K on Apr 1, 2026. Those filings describe the program, not this loan; the terms above are this offering's own.
7 supplements with pricing figures and 19 audited annual statements are on file for this issuer.
From SEC EDGAR, as filed. Issuer filing history.
Terminal Analysis
Terminal analysis for this offering
Terminal access unlocks rate, LTV, and term percentiles against every tracked peer, the borrower's prior-loan repayment record, the full valuation and cost stack, and more.
Access full researchQuestions About This Offering
What is 430 E 23RD ST, ANNISTON, AL?
430 E 23RD ST, ANNISTON, AL is a $70,000 loan offering structured as a first lien position on a refinance cash out project in ANNISTON, AL listed on Groundfloor. The offering carries a stated rate of 8%, a term of 12 months, a loan-to-value of 72.9%, and a minimum investment of $10. It is secured by Real estate at 430 E 23RD ST, AL, and the borrowing entity is ND Property Rentals LLC.
What interest rate does 430 E 23RD ST, ANNISTON, AL pay?
The offering carries a stated rate of 8% over a term of 12 months, as disclosed at the time of the offering on Groundfloor. Stated rates are not guaranteed returns; repayment depends on the borrower and the underlying collateral.
What is the loan-to-value on 430 E 23RD ST, ANNISTON, AL?
The disclosed loan-to-value is 72.9% on the property in ANNISTON, AL. For fix-and-flip and construction lending, this ratio is typically measured against after-repair value rather than the current as-is value, so it reflects a projected valuation rather than a realized one.
Who is the issuer of 430 E 23RD ST, ANNISTON, AL?
The securities are issued by GF Finance.
What property backs 430 E 23RD ST, ANNISTON, AL?
The offering circular identifies the property as Nesta. The loan is a first lien. Loan-to-after-repair-value is disclosed as 72.9%.
What is the minimum investment for 430 E 23RD ST, ANNISTON, AL?
The disclosed minimum is $10. Eligibility, availability, and the current status of this offering are determined by Groundfloor, not by AltStreet.
Is 430 E 23RD ST, ANNISTON, AL still open to investors?
AltStreet's record shows the offering as active. AltStreet tracks this offering from SEC filings, last captured 2026-06-01. Offering status changes without a corresponding filing in many cases, so current availability should be confirmed directly with Groundfloor before acting.
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