121 Heritage CirBirminghamAL35213
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingInvestors approaching the U.S. market with capital-preservation in mind will find 121 Heritage Cir, Birmingham, AL, 35213 in Birmingham aligned with their strategy. At $934,900, the property generates $5,441/mo in rent and $164/mo in net cash, consistent returns without excessive leverage. DSCR 1.23 and 6.98% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $7,837/yr in paydown build toward a projected cumulative return of $345,250.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 7.2% |
| Monthly Cash Flow | $164 | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
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 | $5,441 |
| Total Monthly Debt Service | $5,133 |
| DSCR Ratio | 1.06x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1964
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35213, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,571 (100%) |
| Owner Occupied HU | 4,263 (64.9%) |
| Renter Occupied HU | 2,001 (30.5%) |
| Vacant Housing Units | 307 ( 4.7%) |
| Median Home Value | $650,762 |
| Average Home Value | $795,174 |
Housing Distribution
Address Breakdown
Residential
6,523
Single Family
5,252
Multi-Family
1,271
Businesses
470
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: GALMLS
Mls Provider:
Mls ID: #21466313
