1414 Ardsley PlBirminghamAL35209
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder1414 Ardsley Pl, Birmingham, AL, 35209 in Birmingham is a solid income-producing rental, 7.39% gross yield, $3,478/mo rent, $288/mo net cash flow on a $565,000 buy. DSCR 1.37 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $156,099 and $5,204/yr in principal reduction project a total cumulative return of $231,503.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 7.2% |
| Monthly Cash Flow | $288 | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,478 |
| Total Monthly Debt Service | $2,964 |
| DSCR Ratio | 1.17x |
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 1925
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35209, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,204 (100%) |
| Owner Occupied HU | 5,576 (39.3%) |
| Renter Occupied HU | 6,610 (46.5%) |
| Vacant Housing Units | 2,018 (14.2%) |
| Median Home Value | $487,776 |
| Average Home Value | $591,314 |
Housing Distribution
Address Breakdown
Residential
13,671
Single Family
10,594
Multi-Family
3,077
Businesses
2,312
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 1925
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35209, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,204 (100%) |
| Owner Occupied HU | 5,576 (39.3%) |
| Renter Occupied HU | 6,610 (46.5%) |
| Vacant Housing Units | 2,018 (14.2%) |
| Median Home Value | $487,776 |
| Average Home Value | $591,314 |
Housing Distribution
Address Breakdown
Residential
13,671
Single Family
10,594
Multi-Family
3,077
Businesses
2,312
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A