1516 Pavillon DrBirminghamAL35226
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 1516 Pavillon Dr, Birmingham, AL, 35226 in Birmingham fits: $899,000, 4.59% gross yield, and a projected 5% annual appreciation rate adding $248,377 in value within five years. Rental yield 4.59%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.85) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,280/yr in principal paydown and $248,377 in appreciation project a total return of $233,480.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 7.2% |
| Monthly Cash Flow | $(1,636) | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,438 |
| Total Monthly Debt Service | $4,717 |
| DSCR Ratio | 0.73x |
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 2009
0.93 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35226, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,020 (100%) |
| Owner Occupied HU | 11,515 (76.7%) |
| Renter Occupied HU | 2,923 (19.5%) |
| Vacant Housing Units | 582 ( 3.9%) |
| Median Home Value | $395,301 |
| Average Home Value | $448,486 |
Housing Distribution
Address Breakdown
Residential
15,452
Single Family
13,875
Multi-Family
1,577
Businesses
375
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 2009
0.93 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35226, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,020 (100%) |
| Owner Occupied HU | 11,515 (76.7%) |
| Renter Occupied HU | 2,923 (19.5%) |
| Vacant Housing Units | 582 ( 3.9%) |
| Median Home Value | $395,301 |
| Average Home Value | $448,486 |
Housing Distribution
Address Breakdown
Residential
15,452
Single Family
13,875
Multi-Family
1,577
Businesses
375
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Heather Goss • Keller Williams Realty Vestavia
Mls Name: GALMLS
Mls ID: #21426017