1225 Elizabeth AveBirminghamAL35217
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 1225 Elizabeth Ave, Birmingham, AL, 35217 in Birmingham at $105,556 earns $793/mo in rent and nets $197/mo after the $475/mo payment, a 9.02% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $29,163 over five years. Ziffy Mortgage underwrites this on a 1.67 DSCR without U.S. credit history. With $972/yr in principal paydown, total projected return reaches $52,446.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 7.2% |
| Monthly Cash Flow | $197 | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $793 |
| Total Monthly Debt Service | $554 |
| DSCR Ratio | 1.43x |
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 1945
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35217, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,910 (100%) |
| Owner Occupied HU | 2,400 (40.6%) |
| Renter Occupied HU | 2,508 (42.4%) |
| Vacant Housing Units | 1,002 (17.0%) |
| Median Home Value | $120,000 |
| Average Home Value | $230,202 |
Housing Distribution
Address Breakdown
Residential
5,368
Single Family
4,879
Multi-Family
489
Businesses
590
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 1945
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35217, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,910 (100%) |
| Owner Occupied HU | 2,400 (40.6%) |
| Renter Occupied HU | 2,508 (42.4%) |
| Vacant Housing Units | 1,002 (17.0%) |
| Median Home Value | $120,000 |
| Average Home Value | $230,202 |
Housing Distribution
Address Breakdown
Residential
5,368
Single Family
4,879
Multi-Family
489
Businesses
590
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer Toomer • Keller Williams Realty Vestavia
Mls Name: GALMLS
Mls ID: #21436372