2085 21st Ave SBirminghamAL35223
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 2085 21st Ave S, Birmingham, AL, 35223 in Birmingham is a conservative rental investment at $405,700. Rental yield 7.46%. A 1.38 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $112,087; $3,737/yr in principal paydown supplements. Total projected return: $146,049.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 7.2% |
| Monthly Cash Flow | $(131) | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,524 |
| Total Monthly Debt Service | $2,493 |
| DSCR Ratio | 1.01x |
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 1941
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35223, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,820 (100%) |
| Owner Occupied HU | 3,934 (81.6%) |
| Renter Occupied HU | 707 (14.7%) |
| Vacant Housing Units | 179 ( 3.7%) |
| Median Home Value | $722,762 |
| Average Home Value | $923,552 |
Housing Distribution
Address Breakdown
Residential
4,894
Single Family
4,346
Multi-Family
548
Businesses
689
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 1941
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35223, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,820 (100%) |
| Owner Occupied HU | 3,934 (81.6%) |
| Renter Occupied HU | 707 (14.7%) |
| Vacant Housing Units | 179 ( 3.7%) |
| Median Home Value | $722,762 |
| Average Home Value | $923,552 |
Housing Distribution
Address Breakdown
Residential
4,894
Single Family
4,346
Multi-Family
548
Businesses
689
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